Insurance & Protection
Book with total confidence
Luma Cover™ protection is built into every booking on the platform — for both guests and hosts.
Guest Protections
- Full refund if listing is materially misrepresented
- Emergency relocation assistance if property is uninhabitable
- Secure payment holding until 24 hours after check-in
- 24/7 concierge and emergency support line
- Dispute mediation within 48 hours
Host Protections
- Up to $1,000,000 in damage protection per booking
- Income protection for fraudulent chargebacks
- Guest ID verification before every booking
- Secure, guaranteed payouts — no risk of payment reversal
- Dedicated host support line for urgent issues
Coverage Plans
Choose your level of protection
Questions about coverage? Talk to our team →