Airbnb Expands Fintech Offerings with New Host Earnings Protection Plan, Boosts Guest-Insurance Revenue by 45% in 2026
💸 Airbnb introduced Earnings Protection on June 3, 2026, an insurance plan covering hosts for specific events like hurricanes or earthquakes, applicable in 45 states. Payment control is crucial; Airbnb is the merchant of record, offering financial products to both hosts and guests. Guest-insurance revenue increased by 40% in 2025 and 45% in Q1 2026, potentially boosting Airbnb's take rate by 50 basis points on nearly $100 billion in bookings. Booking Holdings' merchant gross bookings rose from 25% in 2019 to 70% by 2025.
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