Airbnb Insurance

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Why Compare Cheap Airbnb Insurance Quotes With SimplyQuote

Managing an Airbnb property or any short-term rental property can be overwhelming at times. You need to manage bookings, make sure guests’ questions are answered, and make sure the property is clean and ready for occupation.

The last thing you need is to stress about finding the best property insurance.

But, with SimplyQuote, you don’t have to! The free online comparison tool makes finding and comparing Airbnb insurance quotes easy, helping you to find the best insurance deal today.


What Do You Need To Get An Airbnb Insurance Quote?

Why Do You Need Airbnb Insurance ?

What Does Airbnb Insurance Cover?

Exactly what is covered by your Airbnb insurance will depend on the policy you get, but usually the following are covered:

Legal expenses

Airbnb insurance will usually cover any legal expenses that may incur due to protecting yourself in a court of law. If you find yourself in a situation where you do need to pay a large amount for legal protection related to Airbnb hosting, then the insurance will usually cover these legal expenses.

Contents insurance

Protecting any furnishing you provide to guests is important, and thankfully most Airbnb insurance policies will include this, either as contents insurance or host damage protection insurance. Whether your property’s contents are stolen or accidentally damaged, all costs will be covered by this insurance.

Buildings insurance

Damage to the structure of your building, whether accidental or malicious, can quickly become expensive. Landlord building insurance will help you cover any repairs, ensuring you don’t need to spend a fortune.

Liability cover

If you are worried about guests or members of the public potentially hurting themselves due to an accident on your property, then liability protection is worth considering. Public liability insurance cover is worth adding to your home insurance policy as it will protect you from a range of potential accidents.

Intentional and accidental damage cover

Similar to buildings and contents insurance, accidental and intentional damage cover will help you cover any repairs or replacements due to internal damage. Most policies will cover you from this as it is usually covered by building and content protection.

What’s not covered by an Airbnb insurance policy?

  • Normal wear and tear: Insurance will cover accidental or malicious damage to contents, but not normal wear and tear due to use.
  • Loss of valuables: As mentioned, some artworks or antiques may not be covered by a standard Airbnb insurance policy.

Which Add-Ons Are Available For Airbnb Insurance?

How Much Does Airbnb Insurance Cost?

How Can You Get Cheaper Airbnb Insurance?

How To Compare Airbnb Insurance Quotes With SimplyQuote?

Quickly compare Airbnb insurance quotes with SimplyQuote in just four steps:

  1. Fill in the online form: Provide us with the necessary details of your Airbnb listing.
  2. Choose add-ons: Select how comprehensive you want your cover to be.
  3. Compare quotes: Receive quotes from the UK’s leading Airbnb insurance providers.
  4. Start saving: Select a quote that will save you money while providing adequate insurance cover.
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Frequently Asked Questions

What is Airbnb insurance?

Airbnb insurance, or Airbnb’s Host Protection, is designed to protect hosts from any potential damage to their property when hosting a guest through Airbnb. The maximum payout you can expect from an Airbnb claim is around £715,000, which should be more than enough for most properties.

Protecting your home from potentially careless Airbnb guests can be quite worrying if you are planning on sharing your property online. As you don’t know the guests personally, you may not know how they will treat your property, which is why it’s important to obtain an insurance policy you can rely on.

Do I need special insurance for Airbnb?

If you plan to rent out your property as an Airbnb, you will need to provide cover for your property through host protection insurance. Unlike typical renters insurance, a host protection policy will help protect you from claims caused by injuries or theft on your property.

What is covered by Airbnb’s host insurance?

By obtaining an Airbnb insurance policy, you will be protected from a range of potential mishaps. A host insurance policy will cover you for accidental injury to guests and damage to their belongings whilst they reside on your property.

Although this doesn’t cover all of what you need, it is a great way to protect yourself from potential accidents on your property.

Does Airbnb have cancellation insurance?

Airbnb does not currently offer cancellation insurance, this is down to the hosts or the guests themselves. Typically, Airbnb hosts will ask for a security deposit if they are worried about sudden cancellations.

For guests, you may want to invest in travel insurance, in case you need to suddenly cancel your trip due to sickness or another immediate issue.

How can I compare Airbnb host guarantee quotes?

One of the best ways to compare guarantee quotes is to use the comparison tool found on our site. We ensure that we have covered the best quotes available so you don’t need to spend an arm and a leg to get the protection you deserve.

You should also always read exactly what a guarantee covers as it may not offer you protection from all potential accidents.

Does my home insurance cover my Airbnb property?

Most home insurance policies won’t cover damage or theft on your Airbnb property. This means that if any of your paying guests were to injure themselves on your property, they may be able to make a claim against you.

It’s always better to be safe than sorry, so make sure you invest in a decent Airbnb specialist insurance policy so you can cover yourself from any third-party claims.

Can I use my landlord insurance for Airbnb?

No, most standard landlord insurance policies won’t cover Airbnb claims. That is because the risks are different – tenants tend to rent long-term and undergo strict vetting. Airbnb guests are not thoroughly checked before renting a property.