Home Insurance for bed and breakfasts (B&Bs)
- Property covered for non-paying and paying guests including Airbnb.
- For B&Bs with up to 6 rooms.
- Coastal properties and barn conversions covered.
- Underwritten by AXA Insurance.
More information
Bed and breakfast Insurance
Buildings and contents home insurance for B&Bs and guesthouses.
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 guest house 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.
Protect your home and your guests
By getting business liability insurance you can protect your home and business, as well as the people that are staying with you. Consider the different situations that you will need to be prepared for, such as accidental damage, key loss, home emergency and even malicious damage – you can never be too careful!
There’s no reason why you shouldn’t be able to make money from your home, so we do our best to make buildings and contents cover available at a fair premium for everyone.
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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.
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 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.
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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
Standard home insurance will not provide the same level of cover for a Bed & Breakfast business. You may well find that house insurance can be harder to get hold of than standard types, due to the fact that you now have a steady stream of guests staying in your home. While you are working from home, you are also at risk of accidental damage and may need to look into liability insurance. Start your quote at Homeprotect to find out what can be covered with our B&B house insurance.
At Homeprotect we can cover any type of B&B with six bedrooms or fewer, as long as you never have more than twelve guests at a time. Anything more than that and you’re running a hotel, which we don’t cover!
The cost of B&B home insurance varies depending on the size, location and type of your property, and whether you opt for any of the additional cover options. Find out how much bed and breakfast insurance would cost for your property by clicking the ‘Get a Quote‘ button.
Firstly, you will need to think about your T&Cs when handling bookings and cancellations. It’s also important to have rules in place that protect your property, both the building and your personal possessions. Find out more about the legal requirements.
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