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Our cover

Airbnb Host Home Insurance

Quick to buy online

  • Property covered for non-paying and paying guests including Airbnb.
  • Covers holiday homes empty for 30+ days at a time.
  • Coastal properties and barn conversions covered.
  • Underwritten by AXA Insurance.
David Joyson

Written by

David Joyson

Home Insurance Expert & Customer Champion

Libby Goodsearles

Reviewed by

Libby Goodsearles

Head of Marketing

Less than 1 minute

Updated: 12 Mar 2024

Airbnb UK insurance

Buildings and contents home insurance for Airbnb hosts.

We cover Airbnb hosts!

Becoming an Airbnb host can provide a great revenue stream for many. However, it’s important to take steps to make sure that your property is looked after when you have strangers staying there. 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. 

PROTECT YOUR HOME AND YOUR GUESTS

Here at Homeprotect we understand the unique nature of Airbnb rentals and cover properties listed on Airbnb, so whether you’re renting your house or just a room, we can help. Our home insurance policies for Airbnb hosts include up to £5 million public liability cover as standard.

holiday home Insurance Reviews

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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

Homeprotect home insurance policies are available to homeowners who are Airbnb hosts and this question is one of the more common Airbnb FAQs we receive. Just let us know this by selecting, “Bed & breakfast guests” amongst the answers you give to the question “Who lives at the property?” when you get an online quote.

As Airbnb says, “The Host Guarantee should not be considered a replacement or stand-in for homeowners or renters insurance,” and it does not cover communal areas of your property. Home insurance protects your property against a wide range of risks, giving you peace of mind that you’re covered should the unthinkable happen.

It may well be if you don’t tell your insurer. Your home insurance provider will have taken a number of risk factors into account when calculating your premium such as the location of your property, its rebuild cost, the value of your home’s contents, and how many people live there. Airbnb rentals change these details and introduce different risks, and that’s why you need to let your insurer know that you’ve become an Airbnb host.

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