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Airbnb Insurance

What are Airbnb’s?

Airbnb is a platform that enables property owners to offer their spaces for rent to travellers seeking accommodation. You can choose from a variety of rental options, including shared spaces with private rooms, accommodations suitable for groups, or even the entire property for exclusive use. Based on the most recent data from Airbnb, their platform currently offers over 7 million listings, spanning across 100,000 cities and towns in more than 220 countries and regions worldwide.

Do I need specific insurance for Airbnb?

Host Insurance policies can be specifically tailored for homeowners who rent out their spare room or entire home for short periods through house-sharing platforms such as Airbnb. Host Insurance can also enhance your existing policy by offering added protection against potential incidents caused by guests, such as theft, damage, and injuries. Typical Home Insurance policies do not permit residential properties to be used for commercial purposes. As a result, these policies do not provide coverage if you are earning income from hosting guests in your home.

Why do you need insurance for your Airbnb property?

Regardless of whether you are renting out a spare room, an annexe or the entire property, our team aim to ensure that your property is covered appropriately. To safeguard against unforeseen circumstances, it is crucial to protect yourself and your property. An Airbnb Insurance policy can be specifically designed for hosts, providing reassurance in the following scenarios:

  • Fire or flood: This coverage can cover the expenses associated with repairing or even reconstructing your property following a significant incident. Additionally, any lost income during the repair period is also covered.
  • Guest injury or illness: Should you be deemed liable for an incident occurring at your property, this insurance provides protection.
  • Property damage: This coverage safeguards against costs arising from guest-inflicted damage to your property.

What types of cover do you need for Airbnb properties?

  • Buildings Insurance
  • Contents Insurance
  • Home Emergency Cover
  • Accidental Damage
  • Liability Cover