Does homeowners insurance cover Airbnb?

If you do not make your insurers aware then your policy could be invalid. Most standard homeowners insurance policies exclude cover for short-term rentals and would also exclude cover for malicious damage or theft by people lawfully in the property so this type of policy is not suitable.

Do I need insurance for my Airbnb property?

Whilst Airbnb does provide limited cover for damage caused by guests to your and third party property and your liability in relation to your guests, you do still need buildings and/or contents insurance to cover all other losses such as fire, theft, storm, flood, escape of water etc. Not all insurers accept Airbnb arrangements so you would need to make your main property insurer aware of your intentions.

Whilst Airbnb does provide limited cover for damage caused by guests to your and Third Party Property and your liability in relation to your guests, you do still need buildings and/or contents insurance to cover all other losses such as fire, theft, storm, flood, escape of water etc. Not all insurers accept Airbnb arrangements so you would need to make your main property insurer aware of your intentions.

If you do not make your insurers aware then your policy could be invalid. Most standard landlord insurance policies exclude cover for short-term rentals and would also exclude cover for malicious damage or theft by people lawfully on the property so this type of policy is not suitable.

Do I need public liability insurance for Airbnb?

Whilst Airbnb does provide limited liability in relation to your guests and damage caused by guests to Third Party Property, you will still need cover for your liability to the general public in connection with anything unrelated to Airbnb. Not all insurers accept Airbnb arrangements so you would need to make your main property insurer aware of your intentions.

What is the 90-day rule and will it apply to my Airbnb insurance?

Landlords in Greater London are only allowed to rent out a property for short-term lets for a maximum of 90 days a year you can read more about the 90 day rule in our guide to 90-day rule

Airbnb Insurance | Alan Boswell Group

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01603 649650

Landlords Landlord Cover Airbnb Insurance

Renting out your home through Airbnb is a great way to advertise your holiday rental property, especially if you intend on having guests throughout the year rather than just during peak seasons.

As a successful holiday home is often occupied all year round, your property is likely to receive a steady influx of guests. This is great, but it also increases the risk to your treasured property and the furniture within it.

We can arrange insurance for different types of Airbnb rental including:

Properties occupied by the owner/host.
Holiday accommodation combined with other uses, for example, longer-term AST lets during ‘low season’.
Year-round holiday accommodation.
Serviced accommodation.
Properties leased on ‘rent-to-rent’ contracts.

Speak directly to our team

01603 649650

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Dedicated Airbnb insurance team

Debra Northfield

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Karl Hayward

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Tilly Green

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The Alan Boswell Group Difference

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Insurance for your Airbnb

You need the right protection to ensure your property is covered. Run your holiday rental business safe in the knowledge you are getting the best cover for your money with our Airbnb insurance.

Your policy could include:

Buildings Cover the costs associated with rebuilding or repairing your property following events such as fire, storm, malicious damage etc.
Contents Cover for loss or damage to contents within your properties.
Public liability Cover for tenants, guests, and third parties against injury, illness, or damage to their property arising from your property.
Employers' liability Cover for employees against illness or injury sustained in the course of working for you in relation to your accommodation.
Loss of income Cover for your loss of income should the property be uninhabitable due to buildings and/or contents damage covered by the policy.