— I Insurance 2026

Insurance in three layers.

Every reservation in an apartment we manage is covered by three layers: Airbnb AirCover, Booking.com Partner Insurance, and a local Latvian short-term-rental policy that we arrange and pay for ourselves.

03 Protection layers
$1–3 M Coverage per layer
€0 Owner losses

Three layers on every reservation

I
Platform

Airbnb AirCover

Global protection package included automatically on every Airbnb reservation. AirCover is issued to the host account (Kanor) — your apartment receives the same protection because we run the host account.
Free · automatic
$1 M Liability insurance Third-party injury or property damage caused by a guest during their stay.
$3 M Damage protection Your home and belongings if they are damaged or destroyed by an Airbnb guest.
Included
  • Liability coverage for guest injuries
  • Property damage protection (up to $3M)
  • Reservation screening (blocks disruptive parties)
  • 24-hour safety support line
II
Platform

Booking.com Partner Insurance

Second layer for Booking.com reservations — liability plus damage programme. Policy is issued to the partner (Kanor) account.
Free · automatic
$1 M Liability insurance Third-party claims for bodily injury or property damage during eligible reservations.
$1 M Damage programme Damage-claim handling through the Booking.com partner network.
Included
  • Liability coverage for guest injuries
  • Damage-claim handling on your behalf
  • Damage deposit or Damage Programme options
  • Underwritten by Generali or Zurich
III
Kanor

Local Latvian short-term-rental policy

A local policy we arrange and pay for ourselves to bridge the gap between platform coverage and the Latvian reality.
Paid by Kanor · included in service
365 days Year-round coverage Protection between reservations too, not only while a guest is staying.
Local Latvian context Risks specific to Latvia — heating damage, water damage, winter conditions.
Included
  • Year-round coverage between reservations
  • Locally specific risks (heating, flooding, wind)
  • Layered on top of Airbnb and Booking.com coverage
  • Arranged and paid for by Kanor — no extra cost to the owner

All three layers carry a deductible — specific amounts are available in the policy documents on request.

What's not covered

Insurance policies aren't unlimited — worth knowing where they end.

  • Normal wear and tear from ordinary use
  • Damage that occurred before the rental started
  • Intentional damage or criminal acts
  • Natural disasters and force-majeure events
  • Damage in the building’s common areas

How it actually works

Four steps from incident to resolution — you are not involved in any of them.

  1. I
    Something happens We detect it — from the guest, the cleaning team, or monitoring.
  2. II
    Same-day fix We arrange the repair or replacement. In most cases the apartment is ready for guests again within 24 hours.
  3. III
    Insurance claim We file the claim with the platform or policy. Claim processing can take weeks — but your apartment keeps earning.
  4. IV
    You read about it later The monthly statement lists the incident, the fix, and the coverage. You were not involved at any step.

Two-year track record

12,000+ stays. <10 incidents. €0 owner losses.

Across two years of managed apartments, we've had fewer than 10 small incidents — typically the power going out briefly, a shower not draining properly, a child accidentally breaking a TV screen, a broken door, a kettle, or a door handle. In most cases the apartment is ready for guests again the same or the next day. The insurance claim is settled later — but your apartment keeps earning, and you don't lose anything.