Airbnb Host Insurance

Buildings, contents and liability cover even if you rent your property out using Airbnb

About Airbnb Host Insurance

Speedometer

Versatile insurance

Airbnb is the modern way to let rooms and properties – Airbnb is the modern way in which home owners may let out their properties. Whether this is renting a spare room, an annexe or the whole property, our team will be able to get you covered correctly to give you piece of mind for the year to come

Chat

Friendly specialist team

We have a dedicated, specialist team to help you set up your policy, make changes to your policy and renew your policy. They are available Mon - Fri 9am -7pm, Sat 9am - 1pm

Direct Debit

Spread the cost

You can spread the cost of your flat roof property insurance over monthly direct debit instalments

Shield

Specialist Airbnb host cover

We can cover Airbnb properties where ordinary home insurance providers probably can’t or won’t cover the risks and liabilities associated with renting our via Airbnb

Features of Airbnb Host Insurance

Standard cover

Liability cover

If an Airbnb guest suffers an accident on your property, and it’s linked to their stay, we will cover for up to £2m for third party claims and £10m for domestic employees like cleaning or maintenance staff.

Short term and long term let

It doesn’t matter whether you let out the whole property or whether you’re there at the same time as your guests – we can cover you. We also don’t cap your lets at 30 or 90 days like some insurers will – we can cover your property if you have paying guests staying for 24 hours upwards.

Theft or attempted theft

Although we do not cover against your paying Airbnb guests, we will cover you for theft or attempted theft from other intruders as long as there is evidence of forcible or violet entry or exit.

Alternative accommodation cover

If your Airbnb property is your main residence and it becomes uninhabitable our policy can help towards covering the cost of getting you comfortable and safe.

Airbnb Host Insurance's FAQs

Question

Do you cover damage caused by guests at my Airbnb?

Answer

No, we cannot cover accidental damage, malicious damage, or vandalism caused by a paying guest.

However, we do cover accidental damage you cause yourself, or malicious damage if someone else, such as an intruder, causes damage to your property.

Question

Do you cover theft by guests at my Airbnb?

Answer

No, we cannot cover theft that has been committed by one of your paying guests. However, if you are burgled and violent and forcible means has been used to enter the property, then you will be covered.

Question

Do you offer Airbnb host insurance for full or partial rentals and house shares?

Answer

Yes, we can offer Airbnb host insurance for full or partial rentals and house shares.

Question

Can I use your Airbnb host insurance as serviced accommodation insurance?

Answer

Yes. You don’t have to be a live-in Airbnb host. If you use Airbnb to run short-term lets as part of a rental portfolio, this policy will work for you.

Question

Does your Airbnb host insurance include public liability?

Answer

Yes. Up to £2m for third-party claims, and up to £10m for domestic employees. Therefore if someone gets hurt in and around your Airbnb property, you’ll be covered. Please note that you and your relatives however, are not covered.

Question

How many guests can I have at one time?

Answer

We can cover as many guests as you wish in your Airbnb.

Question

Can I use regular home insurance to cover my Airbnb if I live in the property?

Answer

Probably not. Most home insurance policies won’t cover paying guests in your home.

Question

Can I use regular landlords insurance if my Airbnb is one of my rental properties?

Answer

Not always. Your policy might not cover short term lets or anything that isn’t a standard assured shorthold tenancy (AST) agreement.

Question

Can I just use the Airbnb host guarantee or host protection insurance?

Answer

As Airbnb state, you need to carefully consider whether the host protection insurance offered covers everything you need. It won’t cover your building and contents, for instance. Read the terms, check the small print – and decide what level of risk you can afford.

Question

Can I claim if my guest doesn’t pay?

Answer

No. Our Airbnb host insurance policy does include loss of income but only in the case of an insured peril such as leaks or a fire. If a guest stays with you but refuses to pay, we aren’t able to pay out the money you’ve lost.

Question

Do you offer home emergency cover?

Answer

Yes, you can add cover for home emergencies to your property insurance policy.

We have three levels of home emergency cover, starting with emergency repairs to the primary heating system at your property. It can be extended to include emergency repairs to your drainage and water services, securing broken windows and doors - and dealing with pest infestations.

It also offers you access to a 24-hour helpline and network of reliable UK tradespeople. Please talk to your Towergate adviser for details.

Question

How can I pay for my premium?

Answer

You can pay by credit card, debit card or monthly direct debit.

Question

Where can I find full details of my policy?

Answer

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01708 777 710 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim