Get a Quote
Airbnb property insuranceEm Morley (she/they)2023-07-13T12:04:04+00:00
Comprehensive cover for properties let via Airbnb in the UK
Get a Quote
Retrieve a Quote
Frequently asked questions
Policy documents
- Policy Wordings
- IPIDs
- Policy Wordings
View or download:
- Policy Wording – January 2022
- IPIDs
View or download:
- IPID – January 2022
Trustpilot
Trustpilot
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.
Get an Airbnb Insurance Quote
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.
Get Holiday Home Insurance Quote
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.
Get an Airbnb Property Insurance Quote
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:
Landlord Insurance
Landlord Building Insurance
Landlord Liability Insurance
Buy to Let insurance
HMO Insurance
DSS Landlord Insurance
Loss of Rent Insurance
Alternative Accommodation Insurance
Rent Guarantee Insurance
Unoccupied Property Insurance
Holiday Home Insurance
Airbnb Property Insurance
Second Home Insurance
Multiple property insurance
Accidental damage insurance
Resource centre
A landlord’s guide to tenancy deposits
By Em Morley (she/they)|13th December 2023|
A landlord’s guide to asbestos awareness
By Em Morley (she/they)|4th December 2023|
A guide to selling a rental property
By Em Morley (she/they)|17th November 2023|
View More Articles
Other links
- Gallagher – Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers Limited. Part of the Arthur J. Gallagher & Co group of companies.
<Theft>
- Theft or attempted theft
- Theft or attempted theft by your tenant(s)
Please see the policy woding for full terms and conditions.
<Damage>
- Accidental damage to the buildings
- Accidental damage to the contents
- Fire extinguisher expenses
- Emergency access expenses
- The costs for repairing or replacing the gardens at the premises back to their original condition following loss or damage
- The costs for repairing or replacing closed circuit television systems at the premises following loss or damage
Loss or damage to the buildings or contents caused by:
- Fire
- Lightning
- Earthquake
- Explosion
- Storm
- Flood
- Weight of snow
- Escape of water from any fixed appliance, pipe or tank
- Escape of oil from any fixed appliance, pipe or tank
- Riot
- Falling trees or branches, lampposts or telegraph poles
- Breakage or collapse of satellite television receiving equipment or television and radio aerials
- Collision with the property by aircraft, animals or vehicles
- Malicious damage caused by your tenant(s)
- Malicious damage or terrorism
- Subsidence, landslip or heave of the site on which the buildings stand
Please see the policy wording for full terms and conditions.
<Unauthorised use>
- Unauthorised use of services
- Fly tipping
Please see the policy wording for full terms and conditions.
<Loss of rent>
- The amount of rent due to be paid to you and the cost of similar accommodation for your tenant(s) if the premises become uninhabitable following loss or damage
Please see the policy wording for full terms and conditions.
<Services>
- Nest removal
- Underground services
- Trace and access
- Replacement locks
- Additional expenses and fees
Please see the policy wording for full terms and conditions.
<Liability>
- Accidents to domestic staff
- Property owners’ liability
- Occupier or landlord’s liability
- Defective Premises Act 1972
Please see the policy wording for full terms and conditions.
<Index linking>
- Your buildings sum will be insured against inflation, so the buildings sum insured will be index linked each month by us in line with The House Rebuilding Cost index issued by the Royal Institution of Chartered Surveyors
Your contents sum will be insured against inflation, so your contents sum insured will be index linked each month by us in line with The Retail Price Index Please see the policy wording for full terms and conditions.
<Home buyers' benefit>
- Anyone buying the insured premises will have the benefit of the buildings section of this insurance until the sale is completed or the insurance ends, whichever is sooner
Please see the policy wording for full terms and conditions.
Still have a question about our covers?
Our team is happy to help
LiveChat
Call Us
Email Us
Our Company
Resources
Follow Us
Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909
Website byAmpology Digital
