Running a serviced accommodation business means you’re allowing a high turnover of mostly unvetted, short-term “tenants / guests” to use your property, which presents a risk to you, and your business. Serviced accommodation insurance protects your liabilities as a landlord, your property, and the income from your business.
Our unique serviced accommodation cover allows you to switch between different tenancy types without changing your policy, giving you the ease to offer serviced accommodation, ASTs, rent-to-rent, and holiday home accommodation without the hassle of changing your insurance each time.
The rise of serviced accommodation and Airbnb style accommodation is a relatively new development. The ease in which properties can be advertised and let on a short-term basis has opened up this part of the property market to many people. Unfortunately, this has inadvertently exposed property owners to new risks and it is important to obtain expert advice on your risks.
We also have a landlord advice hub that is full of useful information to help landlords and property owners find the advice and products needed.
Very good insurance covering all my needs as a landlord at a very reasonable cost.
Our serviced accommodation insurance provides cover for properties that are let out on a short-term basis, and includes cover for holiday rentals, serviced apartments, and properties listed on Airbnb, Vrbo, and booking.com (and other similar sites). Policies cover:
Serviced accommodation is typically described as a furnished property (or room), which has additional amenities such as housekeeping, which is let out on a nightly or short-term basis. Properties listed on Ainbnb and Vrbo are often types of serviced accommodation.
To provide additional amenities you may also have additional staff and employees to look after your guests, which you may not have if you were letting your property on a traditional Assured Shorthold Tenancy.
For the vast majority of cases no, but on occasion there maybe a small element of cover for “lodgers”. However a lot of insurance cover will be restricted, such as theft and malicious damage.
In most cases there is no cover. This is due to a common stipulation in these policies that there must be an Assured Shorthold Tenancy (AST) agreement in place. When properties/rooms are let by the night it is not possible to have an AST.
In some instances holiday let insurance may be better for you if the cover is more appropriate. However, we will take the time to understand your requirements and provide advice and guidance on the right cover.
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 about the 90 day rule for serviced accommodation in our guide.
What is serviced accommodation, and is it a good investment for landlords? We look at the pros and cons and what insurance is required.
What is London’s 90-day rule for short-stay property rentals, and what does it mean for landlords?
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