Airbnb insurance

Here to help with your Airbnb insurance

Welcoming Airbnb guests into your property is an exciting way to earn extra income while you enjoy other interests. But what would happen if your property or any of your belongings inside got damaged during their stay?

Accidents happen, so you need to protect yourself against the unexpected. An Airbnb insurance policy is specifically designed to protect you as a host and your property. It will give reassurance in the event of:

• Fire or flood – covering the cost of repairing or even rebuilding your property after a serious incident. Your lost income will also be covered while repairs are carried out.
• Guest injury or illness – protection if you find yourself being held responsible for an incident at your property.
• Property damage – protecting against costs resulting from damage to your property caused by guests.

We know your Airbnb property is unique, and so are your insurance needs. So we take the time to understand your property’s risks and find the cover that’s right for you.

If you’re a commercial business renting your properties through Airbnb, this protection is right up your street. However, it’s not suitable if you’re a residential property owner renting out your home or single rooms.

How our Airbnb insurance team can help

Despite its popularity, there’s still some confusion around what insurance is needed to protect Airbnb hosts' properties while paying guests are staying. Relying on standard home insurance may leave you exposed to risk.

The sharing economy

Sharing economy insurance specialist Pikl surveyed 90% of the UK’s property insurers in January 2020.* All insurers they spoke to confirmed they wouldn’t cover Airbnb automatically unless their customers had disclosed this beforehand; over half confirmed they wouldn’t provide any specific cover for Airbnb – even if their customers had declared from the outset.

Our team of Airbnb insurance experts are here to help. We don't just sell insurance, we understand the challenges you face as an Airbnb host. We find ways to manage your risks and arrange cover to protect you, making sure insurance is one less thing for you to worry about.

Cover to protect you and your Airbnb property

As a Airbnb insurance broker, we can arrange cover that protects you and your property, including:

• Buildings insurance
• Fixed glass
• Employers Airbnb liability insurance
• Property owners Airbnb liability insurance.

Optional covers include

• Legal expenses
• Subsidence
• Terrorism
• Accidental damage
• Loss of rent.