Airbnb Home Insurance
- Cover provided when let out to Airbnb guests (restrictions apply)
- Up to £5m public liability cover for guests.
- Underwritten by AXA Insurance.
- Average Quote time under 10 minutes, fast and easy.
More information
WHAT INSURANCE DO I NEED FOR AIRBNB?
If you’re an Airbnb host, you can buy dedicated host insurance, if you want to rent out a spare room or your entire home for short periods on house-sharing platforms like Airbnb and Homestay. This host insurance is designed to protect against incidents that could be caused by guests, such as theft, damage (deliberate, malicious or accidental) and injuries.
At Homeprotect we don’t provide host insurance, but we do provide home insurance for circumstances where you have paying guests, including through Airbnb. So, whilst our home insurance will, as standard, cover you for incidents such as storm, flood, escape of water and fire, it won’t cover you for theft from Airbnb guests, or damage (be it deliberate, malicious or accidental) by Airbnb guests.
As long as you correctly disclose the fact that you use your property for business use and accept paying guests from the likes of Airbnb then a Homeprotect home insurance policy does provide liability cover for incidents involving your Airbnb guests that result in accidental death, bodily injury or illness or property damage and that you are legally liable to pay.
What our expert says…
“A Homeprotect policy for Airbnb and other house-sharing platforms is not equivalent to host insurance, in that it won’t cover you for theft from Airbnb guests, or damage (be it deliberate, malicious or accidental) by Airbnb guests. It will, as standard, cover you, whilst your property is occupied by Airbnb guests, for incidents such as storm, flood, escape of water and fire. And it will also cover you for incidents involving your Airbnb guests that result in accidental death, bodily injury or illness or property damage that you are legally liable to pay.”
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What’s covered by home insurance with airbnb guests?
Home insurance provides financial protection for your home and belongings in the event of theft, damage, or destruction caused by insured events.
You can choose either:
- Buildings insurance: Covers the structure and permanent features of your home.
- Contents insurance: Covers possessions within the home.
- Or combine both.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t included?
Theft or damage by Airbnb guests (including deliberate, malicious, or accidental damage)
Gradual wear and tear, or issues you failed to fix
Faulty design or poor workmanship
Mechanical or electrical faults
Items lost or stolen from an unoccupied vehicle
Escape of water claims between 1 Oct – 1 Apr if the home is unoccupied for 30+ consecutive days
Alternative accommodation costs (unless it’s your main residence).
Recommended by our customers
72% Saved money when they switched to Homeprotect*
*Survey data of 1,089 buying customers from 30th October – 12th November 2024
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
Protects the main structure of your holiday home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
Up to £1 million
(more cover available if you need it)
Contents cover
Protects your holiday home contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Loss of rent
Covers lost income if paying guests can’t stay after an insured loss.
up to £30,000
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
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?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.