What Insurance Do I Need for Airbnb?
Standard home insurance rarely covers short-let activity. Our Airbnb host insurance fills that gap, protecting you against the core property risks every homeowner faces: storm, flood, escape of water, fire, as well as public-liability claims from paying guests.
Why Choose Intelligent Insurance?
- Comprehensive protection for buildings & contents while let or vacant
- Tailored policies that adapt to your property type and hosting pattern
- Defaqto 5-Star rating and customer service rated “Excellent”
Specialist Insurance for Every Type of Airbnb Home
Whether it’s a city flat, a remote country cottage or a home with quirky features, our specialist host policies are matched to your exact risks. Nothing generic, nothing wasted.
Expect peace of mind with protection for buildings, contents, and guest related public liability, plus optional add-ons to suit the way you host.
What we provide
What isn't included?
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
- you are only covered up to the maximum claims limits shown on your schedule
- you are responsible for any excesses stated in your policy
- any exclusions or restrictions shown by endorsement in your schedule
Looking for extra protection? Upgrade your cover
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Family Legal Protection Plus
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Optional -
Accidental Damage
Cover for accidental breakages or damage to your buildings or contents eg putting your foot through the ceiling, or spilling paint on your carpet
Optional
Frequently Asked Questions on host insurance
Usually not. Most UK home insurers exclude short-let guests. Our host insurance bridges that gap by protecting your building and its contents whenever you have paying guests.
Yes. The policy is built for hosts who let on a short-term basis: it factors in guest stays and still protects your home during the weeks you’re not hosting.
Absolutely. You can bolt on Family Legal Protection & Accidental Damage cover to match your hosting style. Just choose the options at the final quote stage.
AirCover is automatic and free, but it only reimburses certain guest-related losses and has notable exclusions.
Yes. Any time you take paying guests, you must disclose it to your home insurer. If you switch to our specialist host insurance you’ll still need to mention that you let on Airbnb, but the difference is that our cover is built precisely for that purpose, so the letting won’t put your policy at risk.
Premiums are tailored to each property. We base your quote on four factors: location risk, rebuild value, number of lettable bedrooms, and your estimated guest-night occupancy
No. We don’t cover any loss of income unless your building is damaged by an insured event, such as burst water pipe, fire or lightning strike.
Still have questions? Visit our help centre
What you get with Intelligent Insurance
- Defaqto 5-Star rated protection
- Underwritten by trusted, household-name insurers
- Competitive premiums with flexible payment options
- UK-based team praised for excellent customer service
- Fast online quote - no lengthy phone calls required
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
Policy Documents
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Add-Ons
How to make a claim
Making a claim has never been easier – just follow these three simple steps:
Step One – Check Your Policy
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Step Two – Report the Incident
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
Step Three – Submit Your Claim
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
Home Insurance Specialists names you can trust
