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Airbnb Insurance

Protect Your Airbnb Property From Damage & Disaster

Do you own a property that you let out for holidays on Airbnb? Worried about being left to foot the bill for ogre-sized problems like theft or accidental damage? Airbnb insurance is a special type of holiday let insurance that can cover you for those unhappy circumstances we all hope won’t happen.

It’s important to make sure you have the correct holiday let insurance to protect your property and protect you against legal liability, and an Airbnb property is no exception.

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Who Needs Airbnb Insurance?

Get Essential Cover For Those Fantastical Stays…

You might not be sure if your Airbnb property counts as a holiday let or a regular home when it comes to insurance, but a holiday home being rented out on Airbnb will require UK holiday home insurance.

When you list your home or even a single room on Airbnb or other short-term rental platforms, it’s crucial to secure specialised holiday home insurance. Standard home insurance policies typically prohibit using your property for commercial purposes, meaning renting it out may invalidate your coverage. Holiday home insurance, on the other hand, is designed for hosts like you, providing the necessary protection for your property and potential liabilities that may arise from short-term rentals.

Protect yourself against guest-related problems by either extending your existing home insurance or buying specialist cover such as host insurance. This is made specifically for people letting out space on Airbnb, so you’ll be able to trust your insurance coverage without any lingering doubts.

Why do you need Airbnb Insurance?

Ensure Your Property Insurance Has You Covered…

Whether you’ve bought a property specifically to let out on Airbnb full time or you occasionally let out your spare bedroom to Airbnb guests in your own home, you’ll need to ensure you get the appropriate cover.
You can usually get Airbnb insurance as an add-on to a home insurance policy if you’re using your own home. If your Airbnb property is separate from your main residence, you will need holiday home insurance instead.

Several other extras, such as liability and loss of income cover, are also likely to be added to your policy as a host, but we can help you find the perfect policy for your exact circumstances.

Don’t Get Caught Short

Many people mistakenly think Airbnb letting is covered by landlord insurance or normal home insurance, but this isn’t always the case. The type of cover you need depends on whether you’re hosting from your own home or a separate property.

What Does Airbnb Insurance Cover You For?

Airbnb insurance is usually a special type of add-on host insurance put on to your home insurance policy. If you’re letting out a separate property then you may need holiday home insurance, and these different types of cover can protect you against a different list of events. But here’s an idea of what you can expect to get covered in your Airbnb home insurance:

Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…

What’s covered

  • Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)

  • Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.

  • Accidental damage to buildings and/or contents

  • Legal Liability to the public – your liability as a private individual and as owner or occupier of the home for bodily injury or property damage caused to another person or property

  • Accidents to domestic staff – your liability for bodily injury to your domestic staff

  • Money – theft or accidental loss of money

  • Bank cards – any amounts that you become legally liable to pay as a result of unauthorised use following the loss or theft of your card

What’s Not covered

  • Wear and tear or any other gradually operating cause (for example, damp formed over a period of time due to blocked or poorly maintained guttering or the mechanical or electrical failure of a television)

  • The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following the loss of or damage to the matching item(s)

  • Loss or damage to domestic fixed fuel tanks in the open, swimming pools, tennis courts, drives, patios and terraces, gates and fences and contents in the open caused by storm, flood or weight of snow

  • Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories

  • Any property held or used for business purposes

  • Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you

  • Any risk where the losses are cyber-related, arising from either malicious acts (e.g. cyber-attack, infection of an IT System with malicious code) or nonmalicious acts (e.g. loss of data, accidental acts or omissions) involving either tangible or intangible assets

  • Damage caused by domestic pets

  • Infectious or contagious disease

Airbnb Insurance

FAQS

  • You’ll need to get separate holiday home insurance or host insurance added to your home insurance if you host using Airbnb or similar sites.



    This is because normal home insurance won’t cover you for the different levels of risk associated with an Airbnb property, such as new people in the property on a regular basis, increasing the chance of accidents, theft and damage.

  • What type of insurance you need depends on your situation. If your Airbnb is your home where you also live, you can likely get a host insurance add-on to a home insurance policy. If your Airbnb is a separate property specifically used for letting to guests on a short-term basis, or you also visit your Airbnb to stay sometimes, you will need holiday home insurance.



    We can help you find out which types of cover you need when you request a quote.

  • When you request a quote with us and let us know exactly what you want from your insurance, we’ll be able to get you a clear and precise quote for your Airbnb insurance.

  • If you want to be protected against the cost of repairing or replacing your building or contents, then you should definitely look for the correct Airbnb insurance.



    It’s also important to note that some short-term let websites like Airbnb will require you to have a certain level of host insurance or building insurance before allowing you to let through their website.

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