Airbnb Host Home Insurance
- Cover provided when let out to Airbnb guests (restrictions apply)
- Home insurance 5 Star Rated by Moneyfacts
- Underwritten by AXA Insurance.
- Average quote time is only 10 minutes.
More information
what insurance do i need for airbnb?
If you’re an Airbnb host, you can buy dedicated host insurance to protect against incidents caused by guests, such as theft, damage (deliberate, malicious or accidental), and injuries. This is useful whether you’re renting out a spare room or your entire home through platforms like Airbnb or Homestay.
At Homeprotect, we don’t offer host insurance. But we do provide home insurance that covers properties with paying guests, including those let via Airbnb. While our policy includes cover for insured events like storm, flood, fire, and escape of water, it does not cover theft, or any kind of damage caused by Airbnb guests.
However, if you disclose that your home is used for business and you accept paying guests, our policy does include public liability cover. This means you’re covered for legal liability in the event of accidental death, injury, illness, or property damage involving your Airbnb guests.
What our expert says…
“A Homeprotect policy for Airbnb and other house-sharing platforms is not equivalent to host insurance. It won’t cover theft or damage caused by guests. But it does cover incidents like storm, fire or flood while the home is occupied by Airbnb guests, as well as public liability for guest-related accidents.”
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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.
Your Questions Answered
Yes. Homeprotect policies include up to £5 million public liability cover, including for Airbnb guests — as long as your property is declared for business use and includes paying guests.
Premiums vary based on rebuild cost, location, property condition, and cover levels. You can get a quote online today.
You can get a quote for Airbnb insurance today.
No. Homeprotect can only insure Airbnb properties owned by UK residents.
No. We only cover properties within the UK.
We can cover many property types, including cottages, lodges, barn conversions, and country homes — as long as they have fixed foundations.
Typically no. Standard home insurance won’t cover rental activities. Homeprotect offers tailored policies for homes with paying guests, including those using house-sharing platforms like Airbnb.
However, this isn’t the same as dedicated host insurance. Theft or damage caused by Airbnb guests is not covered.
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Our insurance experts are on hand if you have any questions.