Airbnb Home Insurance
- Cover provided when let out to Airbnb guests (restrictions apply)
- Up to £5m public liability cover for guests.
- Underwritten by AXA Insurance.
- Average Quote time under 10 minutes, fast and easy.
More information
WHAT INSURANCE DO I NEED FOR AIRBNB?
If you’re an Airbnb host, you can buy dedicated host insurance, if you want to rent out a spare room or your entire home for short periods on house-sharing platforms like Airbnb and Homestay. This host insurance is designed to protect against incidents that could be caused by guests, such as theft, damage (deliberate, malicious or accidental) and injuries.
At Homeprotect we don’t provide host insurance, but we do provide home insurance for circumstances where you have paying guests, including through Airbnb. So, whilst our home insurance will, as standard, cover you for incidents such as storm, flood, escape of water and fire, it won’t cover you for theft from Airbnb guests, or damage (be it deliberate, malicious or accidental) by Airbnb guests.
As long as you correctly disclose the fact that you use your property for business use and accept paying guests from the likes of Airbnb then a Homeprotect home insurance policy does provide liability cover for incidents involving your Airbnb guests that result in accidental death, bodily injury or illness or property damage and that you are legally liable to pay.
What our expert says…
“A Homeprotect policy for Airbnb and other house-sharing platforms is not equivalent to host insurance, in that it won’t cover you for theft from Airbnb guests, or damage (be it deliberate, malicious or accidental) by Airbnb guests. It will, as standard, cover you, whilst your property is occupied by Airbnb guests, for incidents such as storm, flood, escape of water and fire. And it will also cover you for incidents involving your Airbnb guests that result in accidental death, bodily injury or illness or property damage that you are legally liable to pay.”
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What’s covered by home insurance with airbnb guests?
Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.
What we offer
Quick fix for uncontrollable leaks
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
5 star rated buildings cover
Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.
Repair guarantee
Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
Legal advice
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Damage caused gradually, or by wear and tear, or by failure to fix a known issue.
Faulty design or poor workmanship.
Theft, vandalism or accidental damage caused by a paying guest.
The cost of repairing or replacing items following a mechanical or electrical fault.
Lost items.
Escape of water incidents occurring between 1 October – 1 April (inclusive) if your home is left unoccupied for more than 30 consecutive days.
The costs of alternative accommodation (unless the property is your main home).
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.
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.
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.