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Airbnb Letting Insurance

Airbnb properties are available around the world, making it easy for holidaymakers to stay in extraordinary settings with their favourite home comforts. Moreover, for willing property owners, it can present a lucrative revenue stream.

However, opening your doors to strangers also comes with risks. So, if you’re considering renting out a property, you may first want to consider Airbnb host insurance. This form of property insurance exists to help protect you from the financial perils associated with renting out a property in a prime spot, like a city centre or popular holiday location.

Want to find out more about Intasure’s Airbnb host insurance? Keep on reading.

What is Airbnb host insurance?

Allowing unknown guests into your property poses several risks, especially if you’re not there to host. That’s where Airbnb host insurance helps. This policy can safeguard your home – for instance if your roof is damaged, or your contents. It can also provide financial protection in the event of a guest making an insured claim against you for injury. What’s more, Airbnb host insurance can offer financial support in circumstances where there’s a loss of rent due to damage.

What does Airbnb home insurance cover?

At Intasure, our Airbnb policies extend to properties of all sizes, from single rooms to substantial holiday homes, safeguarding their hosts.

Buildings and contents insurance

Like standard home policies, Airbnb host insurance protects a property’s structure and contents. Damage caused to your property is one of the biggest worries for anyone renting a home out as an Airbnb rental. But with our Airbnb contents insurance, you can have reassurance that your prized possessions and greatest assets could be covered with accidental damage protection.

Intasure buildings and contents cover for Airbnb properties includes protection against the following risks:

  • Damage to buildings due to natural disasters, such as storms, fires, or lightning.

  • Loss or damage to buildings caused by falling aerials, solar panels, satellite dishes, and fittings.
  • Accidental damage to underground services to the holiday home for which you are legally responsible.
  • Protection against damage during short or long-term lettings.
  • Theft of personal property, money (up to £250), or valuables.
  • Accidental damage to household goods such as fixed glass and sanitary fixtures.
  • Optional cover for lost or stolen keys.

Public Liability Cover

Public liability cover protects your property and guests at once. Paying guests will be staying at your property, which may well be your permanent home and with public liability covering up to £5 million, your finances can be safeguarded whether your guests cause accidental damage or pursue compensation for injury or damage to their belongings sustained while staying in your property.

Loss of Rent Cover

Additionally, if damage renders your property uninhabitable, you could face the unenviable prospect of losing out on expected rent. Many Airbnb hosts rely on a steady stream of income from paying guests to contribute towards their mortgage bills or to fund their lifestyle, so the idea of losing out on rent is stressful.

With loss of rent cover, if an incident, such as a burst pipe, causes damage that prevents your guest from staying in the property, you can be covered for the income you would have made from your Airbnb guests.

Insurance for short-and long-term lets

Intasure protect short-term rentals and long-term stays alike, up to twelve months for the latter.

What types of property does Airbnb house insurance cover?

Intasure Airbnb host insurance covers a wide range of properties both in the UK and overseas, including:

Why choose Intasure?

As a relatively new form of renting, many budding landlords are confused about what cover they need before renting out an Airbnb property. But that’s where we can help. We were one of the earliest providers to offer Airbnb host insurance, so our staff are well-versed in your day-to-day challenges and understand the risks involved.

Some of the benefits of Intasure Airbnb insurance are:

  • We’re a specialist holiday let insurer.
  • Understanding of local rules and regulations.
  • English speaking customer service.
  • Flexible policies tailored to customers through optional extras.
  • Up to £1 million buildings cover.
  • Up to £5 million as standard.
  • Cover whether occupied or unoccupied.

Airbnb Hosts Insurance FAQs

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.

How do I make an Airbnb claim?2022-04-19T12:37:27+01:00

To make a claim, simply contact us on our 24-hour hotline: +44 (0)345 111 0672.

How much does Airbnb insurance cost?2022-04-19T12:14:14+01:00

Many factors affect the cost of Airbnb insurance, including:

  • Size – larger properties, such as listed homes, attract higher premiums from insurers than smaller properties.
  • Age – insurers are more cautious about older properties.
  • Contents – high-value items inside your property may push up your premium.
  • Value and rebuild cost – as with residential home insurance, properties with a larger footprint tend to reflect higher premiums. The cost of rebuilding your property is factored in, too. Therefore, your premiums could be higher if your property is constructed with rare or expensive construction materials.
Do I need additional Airbnb insurance on top of the existing cover offered by Airbnb?2022-04-19T12:13:28+01:00

Airbnb AirCover is a paid insurance programme available from Airbnb. However, as with many insurance policies offered as add-on products, some areas can leave hosts exposed.

For example, AirCover provides $1 million liability insurance cover, whereas a policy from Intasure includes liability insurance cover up to £5 million as standard. (As of April 2022, $1 million equates to £764,600.00.)*

* Currency conversion using

Intasure Customer Reviews

We’re here to support you on your Airbnb journey. So, whether you want to arrange cover, make midterm adjustments, or lodge a claim, give our friendly team a call today.

Get an insurance quote for your Airbnb property or contact our UK team on 0345 111 0680 for more information.

*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

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