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Do You Need Host Insurance?

With all the extra responsibilities and risks of being an Airbnb host, simple home insurance does not provide the protection required for paying guests in your property. Our host insurance is aimed at people and landlords that market their property through sites like Airbnb. It will give you the cover you need to feel protected.

 

How Does Our Airbnb Host Insurance Work?

If you are letting out your property for short-term rentals through an online booking site, that service may provide you with a limited basic insurance but the coverage is likely to be far from comprehensive. Without additional cover, you as a landlord, are leaving yourself open to huge financial risk.

For example, the basic cover provided by online services such as Airbnb, offers no protection for your contents and personal possessions within the let property. If your furniture or expensive electronics are damaged there is no opportunity to recover any costs to replace or repair them. If a watch or bag is stolen from under your roof by a guest, you are not covered.

If a guest has an accident in your property Airbnb now offers limited liability cover, but if a postman or someone not staying in the property has an accident, you are liable. Online booking sites also do not offer public liability protection in any way.

Loss of booking income is never offered by online booking services. If you cannot let out your property while damages are being repaired, you’ll have to forgo the income unless you have alternative cover.

The basic packages offered by the online services are woefully inadequate and it is up to landlords to financially protect themselves from potential damages caused by external accidents, or the guests themselves. For just a little extra cost, you can ensure you are fully protected with our Airbnb host insurance, giving you better peace of mind when letting out your property.

 

How Can I Protect Myself?

Our host Airbnb insurance for Airbnb and other online letting bookings, is tailor-made to give landlords the protection they require. The comprehensive policy offers both building and contents insurance for landlords looking to rent out their properties to short-term guests.

The additional building cover protects the structure of your property from accidental breakage of glass windows and ceramic hobs, damage to gardens caused by the emergency services (if called) and the theft of keys. The building cover also includes loss of rent following damage, so you don’t miss out on earnings while the property is undergoing repairs.

The additional contents cover provides extensive coverage of all your possessions in the property during the rental. It covers everything in the communal areas, including outside garden equipment and furniture.

The comprehensive Airbnb host insurance package delivers additional liability cover for any legal liability incurred under the Defective Premises Act. It also provides you with Property Owners Liability Cover and Employers Liability cover. This means if someone has an accident in your property, you are fully protected.

 

How Long Is It For?

The Airbnb Host insurance package will cover you for 12 months unless you choose to cancel it before the expiration of this period. There are also pro-rata options available for shorter periods and auto-renewal options for added convenience.

Get in touch with our expert team for more information and a competitive quote for your Airbnb Host insurance.

For a competitive host insurance quote, please fill in the following form.