Why UK B&B Owners Choose Us
From burst pipes to guest mishaps, our specialist home policy shields your property, possessions and paying guests ,so you can host with confidence.
- Comprehensive protection for buildings & contents while you have paying guests
- Tailored policies that adapt to your property type and guest pattern
- Defaqto 5-Star rating and customer service rated “Excellent”
Frequently Asked Questions
At a minimum you’ll need buildings & contents cover that specifically allows paying guests.
No. Most standard policies exclude paying guests. Specialist B&B home insurance fills that gap.
Yes. Just tick the box during your quote journey and we’ll include the fact you host via Airbnb, Vrbo or similar platforms in your policy wording.
No. AirCover offers host guarantee and liability caps but excludes many risks (e.g., building damage from storm or burst pipes).
Standard home policies usually exclude paying guests. Switch to a B&B home insurance policy before your first booking to avoid invalidating cover.
Yes. We arrange cover for Grade II listed properties, timber-frame barns and other non-standard builds, tailoring sums insured to heritage rebuild costs.
Our standard policies cover up to two guests per letting room. Need cover for a larger set-up? We can provide a bespoke quote, just ask.
An Intelligent approach to every type of bed & breakfast
Whether your bed & breakfast is in an out-of-the-ordinary layout, a recent barn conversion or a rural country cottage, our insurance for b&b’s is tailored to your property’s exact build type and risk.
Nothing generic, nothing wasted.
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
-
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 -
Home Emergency Plus
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Optional -
Accidental Damage
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Optional
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
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.
*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.
Home Insurance Specialists names you can trust
