Airbnb Insurance
Airbnb Insurance Quotes for Hosts
Cover for hosts letting a property on a short-term basis.
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Compare Airbnb insurance quotes from UK’s leading landlord insurers including:
What Is Airbnb Insurance?
Airbnb insurance is specialist landlord cover designed for hosts who let their property on a short-term basis through platforms like Airbnb, Vrbo or Booking.com.
Standard landlord insurance and most buy-to-let policies exclude short-term holiday lets because frequent guest turnover increases the risk of damage, theft and liability claims. Our guide explains whether you need landlord insurance as an Airbnb host.
A dedicated Airbnb policy bundles buildings cover, contents protection, public liability and loss of rental income into one package tailored to short-term letting.
How To Compare Airbnb Insurance Quotes
You can compare Airbnb insurance quotes from specialist UK providers in minutes using our free comparison tool.
Enter your property details
Tell us your property type, rebuild value, location and how often you plan to host guests.
Choose your cover level
Pick buildings only, contents only or combined cover based on what you own and what you provide for guests.
Review your quotes
Compare prices, excess amounts and cover limits from multiple insurers side by side.
Buy online
All providers on our panel are regulated by the Financial Conduct Authority, so your policy is protected.
What Does Airbnb Insurance Cover?
Most Airbnb insurance policies cover buildings damage, contents, public liability and loss of rental income as standard.
Buildings cover
Landlord building insurance protects the structure of your property against fire, flood, storm and subsidence damage. This cover is for hosts who own the property outright or have a mortgage requiring buildings protection.
Contents cover
Covers furniture, electronics, kitchenware and other items you provide for guests. Wear and tear is excluded, so normal ageing of furnishings is your responsibility.
Liability cover
Public liability insurance covers claims if a guest or visitor is injured at your property or their belongings are damaged. Most policies offer between £1 million and £2 million of liability cover as standard.
Loss of rental income
If your property becomes uninhabitable after an insured event such as a fire or flood, the policy pays a daily rate until you can accept bookings again. Our guide to what landlord insurance covers explains this protection in more detail.
What Is Airbnb AirCover?
AirCover is Airbnb’s own protection programme included free on every booking, but it has gaps that a dedicated insurance policy fills.
Host damage protection
AirCover reimburses hosts up to $3 million (roughly £2.4 million at current exchange rates) for damage caused by paying guests, including furniture, fittings and valuables. You must submit a claim within 14 days of checkout and Airbnb decides whether to pay.
Host liability insurance
Provides up to $1 million (roughly £800,000) of liability cover if a paying guest is injured or their belongings are damaged during a stay. Claims must relate directly to a confirmed Airbnb reservation with a paying guest.
What AirCover does not cover
AirCover excludes damage from events outside a guest’s control such as burst pipes, storms or floods. It also excludes cash, currency and intentional damage by non-paying visitors.
Communal areas in a block of flats are not covered either, and AirCover does not include legal expenses. The government’s landlord guidance sets out your full responsibilities as a property owner.
What Optional Extras Can You Add To Airbnb Insurance?
Specialist Airbnb policies often include optional add-ons that fill gaps left by both AirCover and standard cover.
Home emergency cover
Provides emergency callout for burst pipes, boiler failure and broken locks between guest stays. This keeps your property habitable and avoids costly last-minute cancellations.
Accidental damage cover
Broadens protection beyond standard named perils to include guest breakages that fall outside AirCover’s scope. Costs typically add £30 to £60 per year depending on your contents value.
Legal expenses cover
Covers solicitor fees and court costs if a guest dispute, neighbour complaint or planning issue leads to legal action. Most policies cap this at £50,000 to £100,000.
How Much Does Airbnb Insurance Cost?
Airbnb insurance typically costs between £200 and £500 per year, depending on your property’s value, location and how often you host.
| Property Type | Estimated Annual Cost |
| Single room in own home | £150–£250 |
| 1-bed flat (full-time Airbnb) | £200–£350 |
| 2–3 bed house (holiday let) | £300–£500 |
| Large or premium property | £450–£700+ |
A two-bed terraced house in Manchester valued at £200,000 with £10,000 of contents, let 20 weekends per year, might pay around £280 per year for combined buildings, contents and liability cover. Our guide to how much landlord insurance costs breaks down pricing in more detail.
Paying monthly
Many insurers let you spread the cost across monthly instalments. This typically adds 8 to 11% to the total annual premium, so a £280 policy would cost around £302 to £311 over 12 months.
What Affects Your Airbnb Insurance Premium?
Insurers price Airbnb cover based on how often you host, where your property sits and what you need to protect.
Property type and location
Urban properties and those in flood or subsidence risk areas cost more to insure. A detached rural cottage and a city-centre flat carry different risk profiles, even at the same rebuild value.
Rental frequency
A property let full-time through Airbnb costs more to insure than one let for a few weekends per year. Insurers treat higher-frequency hosting as higher risk because more guests mean more chances of a claim.
Contents value and security
Expensive furnishings increase your sum insured and your premium. The Association of British Insurers recommends fitting smart locks, key safes and security cameras, which can qualify you for discounts with many providers.
Claims history
A clean claims record keeps your premium low. Even one previous claim can push your renewal up by 10 to 20%.
How To Save Money On Airbnb Insurance
A few practical steps can cut your Airbnb insurance premium without reducing your cover.
Compare quotes before renewing
Switching insurer at renewal often saves more than staying for a loyalty discount. If you also have let property insurance for long-term tenants, ask about multi-policy discounts.
Increase your voluntary excess
Raising your excess from £100 to £250 can reduce your annual premium noticeably. Make sure you can afford the excess if you need to claim.
Install security measures
Smart locks, CCTV at entrances and guest verification tools all reduce risk. Many insurers offer explicit discounts for verified security features.
Bundle with existing cover
If you already insure other rental properties, ask your insurer about multi-property rates that cover all your lets under one policy.
Frequently Asked Questions
No, standard home insurance excludes short-term letting to paying guests. You need a specialist Airbnb or holiday let policy to cover the additional risks.
Standard landlord insurance covers long-term tenancies with a single tenant on a fixed agreement. Airbnb insurance is designed for short-term holiday lets with frequent guest turnover.
No, AirCover excludes storm damage, flood damage, communal areas, legal expenses and damage by non-paying visitors. A dedicated policy fills these gaps.
No, HMOs need a separate HMO insurance policy because they house multiple unrelated tenants on individual agreements, which carries different risks.
Some insurers offer portfolio landlord insurance that covers several short-term rental properties under a single policy, often at a lower combined premium.
Traditional rent guarantee insurance covers long-term tenant default, which does not apply to Airbnb. The equivalent for short-term lets is loss of rental income cover, which pays out if your property becomes uninhabitable after an insured event.
Yes, short-term letting changes your property’s use class and most mortgage lenders require written consent before you start hosting paying guests.
Yes, HMRC requires you to declare rental income from short-term lets on your self-assessment tax return if it exceeds the £1,000 property allowance. Income below that threshold does not need to be reported.
Most Airbnb insurance policies cover unoccupied periods between guest stays, but check your policy’s maximum void period, which is typically 30 to 60 days.
No, cancellation protection is separate and comes through Airbnb’s booking platform. Your insurance policy covers property damage and liability, not booking disputes.
