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Let property insurance for Airbnb hosts
Airbnb is used by many holidaymakers around the world looking for accommodation, whether it’s a short weekend stay or a longer break away. Many are seeing the potential of letting out holiday homes and second homes to maximise their financial potential. As an Airbnb host, you may require suitable property insurance, which is where we can help.
What is Airbnb insurance?
Like home insurance, a property let to holidaymakers can also require suitable cover. Insurance for a home let to Airbnb tenants can help to protect the building and contents.
Our UK Holiday Home and Second Home Insurance
Our comprehensive insurance can cover risks that holiday homes and second homes let via Airbnb can be exposed to, such as theft and damage by paying guests.
What cover does Airbnb insurance include?
If you’re letting your property via Airbnb, you might want cover that can help with risks associated with Airbnb guests, as well as standard home insurance.
We can provide cover for a range of property types in the UK, including:
- Cottages
- Flats and apartments
- Bungalows
- Detached, semi-detached, and terraced houses
We can provide both buildings and contents cover with our UK Holiday Home Insurance.
Buildings cover for Airbnb properties
As can be the case with any let property, an Airbnb might be exposed to damage caused by natural risks or those staying in the property.
This insurance can provide cover for a range of risks, including:
- Theft or attempted theft by tenants
- Malicious or accidental damage, including by tenants
- Fire, lightning, earthquake, or explosion
- Flood or escape of water
This cover can also help with costs associated with the following:
- Loss of rent
- Alternative accommodation for tenants
- Replacement locks
- Emergency services gaining entry to the premises
- The unauthorised use of electricity, gas or water by someone occupying the premises without your authority or consent
- Fly tipping
Contents cover for Airbnb properties
When letting a property to multiple people throughout the year, the contents in your let property can see a lot of use, exposing them to a range of risks.
Our policy includes a range of contents covers as standard, including:
- Theft or attempted theft, including by tenants
- Malicious or accidental damage, including by tenants
- Fire, lightning, earthquake, or explosion
- Escape of water or flood
Liability cover for property owners and Airbnb hosts
You may also benefit from the liability covers included with this insurance.
As the property owner or Airbnb host, if you become legally liable to pay an amount for bodily injury caused by an accident at your property, liability insurance can help. This is also the case for damage to property. Policyholders may claim up to £5,000,000 can for any one event.
For our full list of covers for buildings and contents, see our policy wording. This will also include any limits and exclusions that apply.
Why choose Just Landlords for Airbnb insurance?
We provide comprehensive cover to holiday let owners in the UK, and Airbnb properties are included.
We understand the risks that a home let to holidaymakers can be exposed to. To help ensure you have cover in place for when you need it most, we offer a policy that provides a range of covers suitable for holiday lets as standard.
Our holiday let insurance has been rated 5 star by independent insurance research company Defaqto since 2015. We can provide support via our UK-based team by email, instant message on our website, or email.
Our frequently asked questions
Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
Do I need building insurance for an Airbnb property?
Buildings insurance isn’t a legal requirement for your property, but it might be required as part of your mortgage terms. Although not mandatory, suitable Airbnb insurance can help with the costs of repairing damage that’s covered by the policy.
Do I need contents insurance for an Airbnb property?
If paying guests are staying in your property, you may benefit from protecting the contents you keep there. Contents insurance can reduce the likelihood of you having to pay out of your own pocket when an item covered by your insurance is accidentally or deliberately damaged.
How can I find the best Airbnb insurance?
What makes a product the best Airbnb insurance can be subjective, so we can’t comment on what this would mean for you. Our product is rated 5 Star by Defaqto for its comprehensive level of cover.
Is standard house insurance suitable for an Airbnb?
If you only take out a standard house insurance policy, you might not have the cover you need for risks associated with letting a property. For example, damage or theft by Airbnb guests and loss of rent are not typically included. That is why it’s important to look for suitable cover for your Airbnb let property.
If you do take out a standard home insurance policy for your property and then let it out, this could invalidate the policy, leaving you with no cover at all. Read the terms and conditions carefully before choosing a policy.
How much does property insurance cost?
When you fill in a quote form, you will have to answer questions to determine the cost of your insurance policy. These questions will often include:
- The property type – detached, semi-detached, bungalow, etc.
- The number of bedrooms
- The age of the property
- The rebuild value of the property – The Building Cost Information Service (BCIS) provides a rebuild cost calculator
These factors differ for every property, so the cost of an insurance policy can also vary. The level of cover will also affect the quote.
You should also be aware that the cheapest property insurance policy isn’t necessarily the best option. Our UK Holiday Home Insurance offers comprehensive cover to help provide peace of mind if you are an Airbnb host.
Is this property insurance suitable for Airbnbs?
Our insurance is suitable for a range of Airbnb property types, including:
- Detached houses
- Semi-detached houses
- Flats or apartments
- Bungalows
- Cottages
If you are unsure if your Airbnb would be covered by our insurance policy, speak to our team.
Can this insurance cover non-Airbnb lets?
Our UK Holiday Home Insurance is suitable for properties used as a holiday home for personal use or let to holidaymakers.
As the policy can provide cover when the property is empty for long periods, it is also suitable for second homes.
Looking for suitable property insurance?
We can provide cover for the following:
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- Gallagher – Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers Limited. Part of the Arthur J. Gallagher & Co group of companies.
