home insurance for b&bs

  • B&B and private rooms covered.
  • For UK B&Bs with up to 6 rooms.
  • Underwritten by AXA Insurance.
  • Average Quote time under 10 minutes, fast and easy.

Special home insurance cover

For B&Bs and Guest Houses

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 guesthouse 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.

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What’s covered by holiday home insurance?

Holiday home insurance protects the building and its contents against insured events such as fire, flood, storm, theft, and more. You can choose to insure the buildings, contents, or both — depending on your needs. 

If you let your property to paying guests and they can’t stay due to an insured event, our Loss of Rent feature covers the rent you would have received (as shown in your booking confirmation), up to £30,000 per claim. 

Cover includes: 

  • Buildings insurance – protection for the property’s structure and permanent features 
  • Contents insurance – protection for items inside the home 

If your holiday home is unoccupied for short periods (between 31 and 180 days), your cover remains active, but with the following exclusions unless the property is inspected internally at least once every 30 days: 

  • Escape of water (claims between 1 October and 1 April) 
  • Theft or attempted theft, unless all security features listed in your Statement of Fact are in working order 
  • Jewellery and watches, unless kept in a locked safe with the keys removed 
  • Money, under any circumstances 

You’ll need to provide evidence of inspections at the point of claim. 

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.

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. 

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 covered?

There are some things we can’t cover, including: 

Gradual damage, wear and tear, or issues you knew about but didn’t fix 

Faulty design, construction, or workmanship.

Theft, vandalism, or accidental damage caused by paying guests 

Mechanical or electrical faults

Escape of water claims between 1 October – 1 April (inclusive) if the home is left unoccupied (without inspection) for more than 30 days 

Alternative accommodation costs (if the property isn’t your main home)   

Personal Possessions (e.g. bags, clothes, sports equipment used away from the home).

Gadgets, Bikes & Valuables Away from the Home (e.g. phones, tablets, watches, jewellery) .

Keeping your holiday home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled. 

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

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?