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Our cover

Home Insurance for B&Bs

Quick to buy online

  • Property covered for non-paying and paying guests including Airbnb.
  • For B&Bs with up to 6 rooms.
  • Coastal properties and barn conversions covered.
  • Underwritten by AXA Insurance.
Emma Myrie

Written by

Emma Myrie

Insurance Underwriting Expert

Libby Goodsearles

Reviewed by

Libby Goodsearles

Head of Marketing

Less than 1 minute

Updated: 12 Mar 2024

Bed and breakfast Insurance

Buildings and contents home insurance for B&Bs and guesthouses.

Opening your home to guests can be a great revenue stream for many. However, it’s important to take steps to make sure that your property is looked after. Standard house insurance is not suitable when you are opening your home up to paying guests, as this does bring certain risks and responsibilities with it. In light of this we’ve created an online quote journey that can be tailored to you, so if you are renting your house or just a room, we can help.

With Homeprotect, you can get an online quote in a matter of minutes. Insure your guest house and protect yourself financially. We’ll even cover you if you let out rooms via onefinestay or another room letting provider. It doesn’t matter if you have converted your whole house to a B&B or just letting a single room, we can provide a quote designed to protect your home and its contents.

Protect your home and your guests

By getting business liability insurance you can protect your home and business, as well as the people that are staying with you. Consider the different situations that you will need to be prepared for, such as accidental damage, key loss, home emergency and even malicious damage – you can never be too careful!

There’s no reason why you shouldn’t be able to make money from your home, so we do our best to make buildings and contents cover available at a fair premium for everyone.

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What’s covered by holiday home insurance?

Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.

It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.

What we offer

Quick fix for uncontrollable leaks

Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.

Extreme weather conditions may extend response time. Policy terms and claim limits apply.

5 star rated buildings cover

Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.

Repair guarantee

Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.

New for old

Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.

Legal advice

We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.

What isn’t included?

Damage cause gradually, or by wear and tear, or by failure to fix a known issue.

Faulty design or poor workmanship.

Theft, vandalism or accidental damage caused by a paying guest.

The cost of repairing or replacing items following a mechanical or electrical fault.

Lost items.

Escape of water incidents occurring between 1 October – 1 April (inclusive) if your home is left unoccupied for more than 30 consecutive days.

The costs of alternative accommodation (unless the property is your main home).

Recommended by our customers

72% Saved money when they switched to Homeprotect*

HOME Insurance Cover Levels

Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.

Buildings cover

Covers the main structure of your home if you need to rebuild or repair it.

up to £1 million

(eligibility criteria applies)

Contents cover

Covering the value of all your possessions in the home, on a new for old basis.

from £25,000

Loss of rent

If you have paying guests, we’ll cover lost rent if your guests can’t stay in the home due to an insured event.

up to £30,000

Home emergency

Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.

up to £500

Family legal protection

Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.

up to £25,000

Trace and access

Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.

up to £10,000

Outbuildings cover

Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).

from £20,000

Liability cover

Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.

up to £5 million

Personal possessions

Cover for portable items that you take out of your home, like bags, clothes and sports equipment

Optional

(excluded if you have paying guests)

Gadgets, bikes and valuables away from the home

Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes) and valuables (e.g. watches and jewellery) that you take out of your home.

Optional

(excluded if you have paying guests)

Accidental damage

Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.

Optional

(excluded if you have paying guests)

New Customer?

If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.

Existing Customer?

Your Questions Answered

Standard home insurance will not provide the same level of cover for a Bed & Breakfast business. You may well find that house insurance can be harder to get hold of than standard types, due to the fact that you now have a steady stream of guests staying in your home. While you are working from home, you are also at risk of accidental damage and may need to look into liability insurance. Start your quote at Homeprotect to find out what can be covered with our B&B house insurance.

At Homeprotect we can cover any type of B&B with six bedrooms or fewer, as long as you never have more than twelve guests at a time. Anything more than that and you’re running a hotel, which we don’t cover!

The cost of B&B home insurance varies depending on the size, location and type of your property, and whether you opt for any of the additional cover options. Find out how much bed and breakfast insurance would cost for your property by clicking the ‘Get a Quote’ button.

Firstly, you will need to think about your T&Cs when handling bookings and cancellations. It’s also important to have rules in place that protect your property, both the building and your personal possessions. Find out more about the legal requirements.

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