Home insurance for B&Bs

Quick and easy to buy online

  • B&B and private rooms covered.
  • Up to £5m Public liability cover for guests and domestic staff.
  • For B&Bs with up to 6 rooms.
  • Includes cover for food in your freezer.
  • Defaqto 5 Star rated Buildings cover.
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B&B insurance

Buildings and contents 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.

What does bed and breakfast insurance cover?

Bed and Breakfast insurance should cover you for:

  • Key loss
  • Home emergencies
  • Malicious damage

As such, you should look for an insurance package that includes:

  • Public liability insurance (though not extended to advice or services rendered as a result of a profession)
  • Buildings insurance

If you employ domestic staff in connection with the guesthouse, you should check that they are covered by your employer’s liability insurance. Additionally, you may want extra cover options, such as personal possessions cover.

Personal possessions cover

With so many guests coming in and out of your home, it’s well worth looking into the additional cover options available in case of lost, damaged and stolen items. This even applies to personal possessions outside the home so you’ll be glad to learn that with all our optional extras, there is no limit to the number of claims you can make. 

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Protect your home

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.

Bed and breakfast insurance: key points

  • Public liability insurance up to £5 million to cover accidents involving guests at your B&B.
  • Buildings insurance up to £1 million, more available if necessary.
  • 12 month guarantee on repairs undertaken as a result of a claim.
  • Business admin equipment for your B&B covered, including computers, printers and photocopiers.
  • Protection against accidents to domestic staff employed in connection with the guesthouse included.
  • Bed & Breakfast home insurance also applies to Airbnb lets.

What our customers say


Your questions answered

I’m starting a B&B. What happens to my house insurance?

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.

What is covered in a HomeProtect B&B house insurance policy?

We can provide cover for all manners of 'working from home' situations. The way that your policy is underwritten will depend upon the type of business you are carrying out, as well as the extent to which the property is now being used for commercial purposes. In terms of B&B business, one of the main factors that you will need to disclose is the volume and frequency of guests that you receive.Start a quote now to find out more specifics.

Is accidental damage included in my B&B home insurance policy?

Unfortunately accidental damage is not included as standard. However, cover for accidental damage is available as an additional cover option in most cases. You will need to bear this in mind when completing your online quote, and tailor the policy to your specific needs with our handy additional cover options.

Is public liability insurance included in my B&B cover?

Bed and breakfast home insurance includes up to £5 million cover for public liability. However it does not include employer liability insurance. It cannot be used as a substitute to business insurance, and you should still look into getting the right level of cover necessary to run your business.

Do you cover all types of B&B properties?

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!

How much does bed and breakfast insurance cost?

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.

What are the legal issues of running a B&B?

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 here.

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