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Airbnb Host Insurance

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

  • Specialist Airbnb host cover
  • Short term and long term let
  • Alternative accommodation cover
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Why choose Airbnb host insurance with Towergate?

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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.

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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.

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Spread the cost

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

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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.

About Airbnb host insurance

Liability

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.

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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

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.

Building

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.

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

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01708 777 710 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Airbnb host insurance FAQs

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.

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.

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

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.

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.

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

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

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

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.

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.

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.

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.

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

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