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Airbnb Insurance

Airbnb Insurance Quote

We know that every Airbnb property is different so our Airbnb insurance can be tailored to the needs of each host.

If you are opening up your home to Airbnb guests, you’ll want to insure it against the unexpected ‒ with Airbnb host protection insurance cover to protect you as a host, and your property.

Why Insurance is Important for Airbnb Hosts

Today more than 200,000[i] people in the UK list their homes on Airbnb, but confusion reigns over the insurance required to protect hosts’ properties while paying guests are staying – with those relying on standard home insurance potentially left exposed[ii].

Indeed, research from sharing economy insurance specialist, Pikl found that up to 40% of Airbnb hosts relying on standard household cover could see their insurance voided and cancelled if their insurer discovered the property was being used for short-term lets, like Airbnb[iii].

So, relying on standard cover could leave not just your let, but your entire home uninsured – which is why taking out Airbnb host insurance is so important.

What Does Our Insurance Cover?

Airbnb insurance is specifically designed to protect property offered for short-term let via Airbnb.

Flexible enough to respond to your needs, it will help you repair or even rebuild your property after a serious incident like fire or flood, and replace lost rental income while repairs are completed. Airbnb host protection insurance can step in to help defend you if you are held liable for injury or illness affecting a holiday-maker at your property, and help cover your costs if your property is damaged by people you have rented it out to.

Standard Covers*

  • Buildings insurance.

  • Fixed glass.

  • Employers liability.

  • Property owners liability.

Optional Covers*

  • Legal expenses.

  • Subsidence.

  • Terrorism.

  • Accidental damage.

  • Loss of rent.

Get a quote

Mon-Fri: 8am - 6pm

Call our team to receive a no obligation, instant quote today.

Quote line: 0330 134 4704

About the Airbnb Hosting Industry

The UK’s short-term let industry, enabled by hosting sites like Airbnb, is now big business. There are 223,200 active listing across 2,600 villages, towns and cities across the country – between them, welcoming around 8.4 million guests per year[i].

The typical Airbnb hosts earns around £3,100 per year from letting out their property for 36 nights per year via the platform, with the average stay now at 3.1 nights. The type of property let is split roughly down the middle between entire properties (58%) and private rooms (41%)[ii].

Airbnb lets already generate a total income of £854 million for hosts, and contribute an estimated £3.5 billion to the UK economy[iii] in the form of wider local spending by guests, and that growth is set to continue apace. Indeed, some estimates suggest that the short-term letting industry is set to grow threefold by 2025[iv].

All of which again illustrates the value of putting in place appropriate insurance that covers Airbnb hosts – to protect that income and mitigate the risks associated with letting out holiday property.

Get a Airbnb Insurance Quote

Call on our expert team to help find the right Airbnb host protection insurance at the right price, quickly and without fuss. We’ll help assess the cover you need, provide no-obligation quotes, and get you set up quickly – to make buying your Airbnb insurance as easy as 1, 2, 3. Why not also view our comprehensive range of landlord insurance products.

 

* Standard and optional covers may vary dependant on insurer.  

[i] https://www.airbnbcitizen.com/wp-content/uploads/2018/10/AirbnbUKInsightsReport_2018.pdf

[ii] https://www.thisismoney.co.uk/money/bills/article-6839701/Short-term-letting-hosts-face-insurance-risks-appropriate-cover-virtually-non-existent.html

[iii] https://www.thisismoney.co.uk/money/bills/article-6839701/Short-term-letting-hosts-face-insurance-risks-appropriate-cover-virtually-non-existent.html

[iv] https://www.airbnbcitizen.com/wp-content/uploads/2018/10/AirbnbUKInsightsReport_2018.pdf

[v] https://www.airbnbcitizen.com/wp-content/uploads/2018/10/AirbnbUKInsightsReport_2018.pdf

[vi] https://www.airbnbcitizen.com/wp-content/uploads/2018/10/AirbnbUKInsightsReport_2018.pdf

[vii] https://www.thisismoney.co.uk/money/bills/article-6839701/Short-term-letting-hosts-face-insurance-risks-appropriate-cover-virtually-non-existent.html

 

 

WHY SHOULD I USE A BROKER?

Using a broker to arrange your insurance may help reduce your workload and the associated time it takes you to search for your insurance. It is our aim to help you get value for money therefore we use the strength of our market position to negotiate with insurers, in advance, the product and premium pricing. We do this to help deliver the right product, at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so that we can recommend a product to suit your business needs.

HOW LONG DOES IT TAKE TO GET A QUOTE?

You can get a quote by telephone. On average a quote will take around 10 minutes over the phone, depending on the complexity of the business requirements.

HOW LONG WILL IT BE BEFORE I AM COVERED?

If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.

WHAT ARE YOUR OFFICE OPENING HOURS?

We are open Monday to Friday, 8am until 6pm.

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Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4704

Mon-Fri: 8am - 6pm

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It was lovely to speak to the team at smei, thank you again for all your help in finding us a competitive and reasonable price for our property. I shall definitely be in contact again for future quotes. Thank you once again, much appreciated.

Mr Ismail Patel, Property Owner

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