Case study: Hosting Airbnb in Wales

"I had to be sure that having B&B guests wouldn't invalidate my policy"
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The growth in popularity for Airbnb has been phenomenal. At HomeProtect, we’re pleased to be able to offer cover to those that invite paying guests into their home.

We caught up with one customer, Debra, to find out more about what prompted her to start using the Airbnb service, and what led her HomeProtect.

Debra, in her own words:

I live in a small Welsh town where there is an active canoeing centre. It is also well located for visiting the sights of West Wales – one hour from Swansea, one hour from Aberystwyth, and the whole of Pembrokeshire and Ceredigion within easy reach.

I was prompted to start a B&B as I work freelance and was looking for ways to boost my income. I also love travelling, so I enjoy meeting travellers myself. I speak a few different languages, so I'm very happy to have overseas guests that I can practise with. I also speak Welsh and I offer Welsh practice and accompanied excursions for Welsh learners at an additional cost.

The room has twin beds so I can take two guests, but they have to share my bathroom as there is no ensuite. I also provide a basic breakfast, and guests are free to use the kitchen to prepare their evening meal if they wish.

The main challenges are just the practical ones of keeping up with cleaning, washing the linen, changing the beds, and being conscious of maintaining a clean and tidy house all the time in case someone books at short notice.

I haven't had any security worries at all so far – everyone has been lovely – but I did get internal locks put on my bedroom door and my office door, so I can lock those rooms if I know I'm going to be out at any time when the guests may be here. That allows me to keep everything valuable or confidential locked away.

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You never can be too careful...

I had to be sure that having B&B guests wouldn't in some way invalidate my policy if something happened and I had to claim. I know that Airbnb covers any damage that might be caused by a guest, but I was worried that just the fact that I had other people in the house might invalidate an ordinary Home & Contents policy.

I found HomeProtect through a comparison website when I was trying to find a suitable insurance company. I could tick a box showing that I had paying guests (it even mentioned Airbnb) and that filtered the list of insurance companies, with HomeProtect coming out on top.

I love meeting a variety of people and being able to share with them a taste of Welsh language and culture. Most local people seem pleased that I am offering the service and bringing visitors to the town, and I have peace of mind that the house and contents are covered whether I have guests here or not.

Satisfied customers

I needed a fast replacement for my home insurance as the previous provider would not underwrite airbnb; I found the HomeProtect website offered the best, most competitive package with the minimum of fuss and maximum of flexibility. It was very easy to buy the new policy and I was very happy with the attitude of the agent and the speed of the satisfactory outcome; thoroughly recommended. Trustpilot, 11 July 2017
HomeProtect provided us with a simple answer to setting up our bed and breakfast insurance. Other companies were difficult to deal with and hard to get hold of, HomeProtect allowed us to do it all online. As people who have no time for lengthy questions and phone calls this was ideal. Thank you for making it so easy. Trustpilot, 4 July 2017
I was looking for something very specific - insurance for my flat to cover my renting it out from time to time through Airbnb. Home Protect were efficient, helpful and cost-effective. Trustpilot, 21 February 2017