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What Is Airbnb Homeowners Insurance?

When hosting guests at your home via Airbnb their ‘Host Guarantee’ is not a replacement or a substitute for insurance coverage.

In fact, most traditional home and contents insurance policies do not cover any mishaps that may occur while hosting people via Air Bnb. While most home-sharing sites will provide some level of cover for the host, the types of damage that are covered vary massively.

Our specialist team can arrange cover to help protect from the most common claims that you may need to make while hosting a paying guest in your home.

What Cover Do I Need To Host Via Airbnb?

While there is a basic level of cover provided by Airbnb there are a number of eventualities and types of claim you may wish to have covered when hosting, including:

Accidental Damage Cover

Airbnb’s policy of both the host and guest reviewing each other means it’s in their best interests to treat your home with respect. That being said accidents can happen with even the most considerate guests. 

Buildings & Contents Insurance

Our specialists can also help tailor your Air Bnb homeowners insurance based on your required level of buildings and contents coverage. At Taskers we can help advise on the ideal cover that will help meet your needs, be it single buildings or content coverage, or a combined policy. 

Home Emergency Cover

Having a broken boiler or central heating is one of the largest inconveniences you can experience. Not only is the cost to repair any damage usually significant but the worse problems can render your home inhospitable, particular if your heating is affected in the winter.

If your income relies on Air Bnb guests at your home being unable to host them due to a home emergency can be a major burden. 

We aim to provide you with first class service at all times.

What Does Air Bnb Cover In Their ‘Host Guarantee’?

For all hosts, there is a basic level of cover under certain conditions. On the surface, this may seem enough to begin regularly hosting guests but when you examine the level of coverage there is certainly more to be desired. 

Quoting directly from the Air Bnb ‘Host Guarantee’:

“Airbnb’s Host Guarantee doesn’t protect:

  • Theft of cash and securities (e.g. savings bonds, stock certificates)
  • Damage from ordinary wear and tear
  • Bodily injury or property damage to guests or others”

These are just some of the areas that are not covered when you host on Air Bnb. Our experts in Air Bnb homeowners insurance can help find the ideal policy to suit your needs and help protect your home. 

Host Guarantee

In terms of the areas that the ‘Host Guarantee’ does offer limited cover are, as displayed on their site:

  • Damage to your place caused by guests
  • Damage to your belongings caused by guests
  • Damage caused by a guest’s assistance animal

While this is certainly limiting it is always good to understand how you are covered by this guarantee, although it certainly does not give the necessary peace of mind an Air Bnb homeowners policy can.

If there can be any doubt this blog post on the necessity of insurance while renting via Air Bnb, this help article on the FAQs of the site could not be clearer:

‘The Host Guarantee Programme isn’t insurance and doesn’t replace your homeowners or renters insurance.’

Find the Right Air BnB Homeowners Insurance For You

With our expert brokers, you can be confident in the fact that your claim will be dealt with in a respectful and efficient manner by our specialist team. Often people host via Air Bnb in their own house or flat, so we understand how important protecting that from claims where possible is. 

For more information on our Air BnB homeowners insurance, simply contact the team on 07741 643610. Alternatively you can request a call back below. Our team will be more than happy to discuss your policy needs and answer any questions you may have.

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  • IMPORTANT UPDATE FROM LLOYD’S

    Lloyd’s is proposing to transfer certain EEA insurance policies to Lloyd’s Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd’s Brussels will become the insurer and Data Controller in respect of the transferred policies.

    Further information about the proposal (including whether it could affect your pre-transfer position), which policies are transferring, your rights and what you need to do can be found at www.lloyds.com/brexittransfer

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