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Do You Need Insurance for an Airbnb UK?


Letting part of or the whole property to a stranger can be a risky strategy. It is therefore important that when you are looking to rent out your property on a short term basis that you have the correct cover. Air bnb properties tend to be rented out for holiday or business purposes across the UK. Users are able to book online using the Airbnb system which then puts them in touch with vendors directly. It is a new way to let out property, making it an interesting investment. It is important then to have peace of mind and the correct homeowners or renters insurance policy.
To compare Airbnb host insurance is very important and we are able to do this for you as we have a market that specifically provides for it. It is not an easy market in insurance terms and often people do not get it correct when covering their property investment. You could use a comparison site online but they often don’t offer the right type of cover.
If you have decided to list your home protect it and its contents correctly. We provide standard home insurance for landlords that market they’re property through sites like Airbnb and Stayz. It will give you the insurance companies cover you need for your short term let.

How Does Our Host Insurance Work?

You may be letting a room or property for short-term rentals through an online booking site. That service may provide you with a limited Airbnb host protection insurance but the coverage will not be comprehensive. Without correct cover, you as a landlord, are leaving yourself open to huge financial risk. Some sites offer limited liability cover for when an Airbnb guest has an accident in your property. This wouldn’t cover if a postman or someone not staying in the property has an accident. So you are still liable. Online booking sites do not offer public liability protection in any way and/or do not provide cover for the loss of booking income. So you would forego the income while damages are being repaired. The host insurance packages offered by online services are inadequate. It is up to you to protect yourself. At iInsure365 you can be sure of the right cover with our Airbnb insurance. So that you have peace of mind when renting a room on Airbnb or the whole house.

Property damage by paying guests


You will often find when it comes to Airbnb that guests staying often leave problems such as property damage. Can you get insurance to cover this? This is a difficult situation and not always an accident. It could be an act of malice as such and the insurance wouldn’t necessarily cover this. You would have taken a security deposit and therefore any property damage to the home should come out of this first. Best to do that before going to the Insurance Company, especially considering that they may not always pay out.


No matter how clean and careful your Airbnb guests might be you will always need to accept that not every traveler would treat your Airbnb property with as much respect as you do.


Some people are clumsy in the kitchen, they might leave you with a broken plate. Some guests might be traveling with children so they might leave greasy fingerprints on glass doors etc. These things might be disappointing to see but overall they are probably not worth making a big deal about and not worth making an insurance claim for.


There will always be the issue of “wear and tear” to take into account. For example, if a guest spills red wine on your carpet but the carpet is already stained do you really have grounds to make a claim against them? This is something that the insurance may well cover.


Examples of “wear and tear” are:-

• Minor scuff marks on the walls from moving luggage in and out of the hallways
• Old furniture or appliances breaking
• Makeup residue left on hand tails or face washcloths
• Limescale around the walls of the shower
• Tears in aging rugs or curtains


What does property damage mean?


These are cases that are very black and white when it comes to damage to your Airbnb property. For example if an Airbnb guest knocks over a bottle of nail polish on to your sofa. Or if they drop something heavy that makes a hole in your floorboard. Maybe they can reverse their car over your newly landscaped garden. Or steal something that belongs to the property like electrical goods. In this instance it is important that you are aware that any security deposit you may have taken is used first. Any insurance company will have an excess and you are not always going to gain back the insurance you are going to get.


You also need to be aware if you are letting on Airbnb whether it becomes a long term let or not.

How Can I Protect My Spare Room?

Our host insurance gives you the host protection you need. The policy offers insurance for hosts who let to short-term paying guests. The policy includes building and contents insurance for anyone in a rent a room scheme. The building cover protects the structure of your property damage including breakage of glass windows and theft of keys. It includes loss of rent following an insured event. So you don’t miss out on earnings while the property is undergoing repairs. The contents cover provides extensive coverage of all your possessions in the property. It covers everything in the communal areas, including outside garden equipment and furniture. The Host insurance package includes public liability insurance. This covers legal liability for hosts. Airbnb insurance also provides you with Property Owners Liability Cover and Employers Liability cover. This means if someone has an accident in your property you have the right cover in place. For a competitive quote, please fill in the following form.
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I have been in the estate and lettings industry for over 35 years. So, I have often needed to source Landlords Buildings Insurance for both myself and my wife. iInsure365 have made the process extremely easy and simple. Similarly, I wish all business dealings were the same.
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