CoverBuilder’s dedicated Airbnb Insurance cover
Do you use Airbnb to let a room or your own property as a whole? CoverBuilder‘s Airbnb Insurance is designed for you. As hosts, the policy protects you against hosting-related issues. From damage to your property, to theft, or even misuse of any digital utilities you offer; our cover is effectively a ‘top-up’ to a standard home insurance policy. Our policy steps in and provides cover for claims related to the guests where current insurers withdraw.
One-off premium £49.95 for 12 months cover
We offer a fixed price of £49.95 for 12 months cover. This is regardless of how many guests you host or how much you charge. Take a look below at what’s included as standard, or complete the simple application process by clicking below.
CoverBuilder Host Airbnb insurance – top-up your home insurance
- Covers up to £800,000 of your buildings
- Covers up to £75,000 of your contents
- Theft or attempted theft
- Accidental, malicious damage or vandalism
- Abuse of utilities and services
- Lost keys and lock replacement
- Alternative accommodation for Airbnb hosts (including host dogs/cats), and guests
- Bodily injury or death of a guest, or domestic staff up to £2million
- £250 standard excess
We’ve included legal assistance:
- With the eviction of persons/over-stayers
- Assistance to defend a civil claim against the host
- Help with removing online defamatory comments
- Assistance if you suffer identity theft as an Airbnb host
Working alongside your existing home insurance
Many existing home insurers offer no cover for claims caused by guests. This is where our policy steps in. When checking with your insurer it is important to ask if the policy will be voided if you Airbnb Host, rather than is the hosting covered. It is not relevant to our insurance who your current home insurance provider is. Also they do not need to work with us to settle a claim. If you have any questions please contact us.
Simple application process – get instant cover in under 5 mins.
Arrange cover in under 2 minutes
We’ve kept our online application process quick and simple to complete. Enter your details, the property you wish to insure, the policy start date and then submit your payment details. Get instant protection by clicking ‘buy online‘ to get started.
What is Airbnb Insurance and why do I need it?
Many standard home insurance providers will refuse to cover any claims related to the hosting of paying guests at your home. This is why Airbnb hosts need to make sure they are properly covered. Airbnb offers some coverage through their Airbnb Host Guarantee. There are however still gaps in the cover offered. CoverBuilder’s dedicated Airbnb Insurance covers a range of events caused by a guest that can lead to an insurance claim. Giving you as a host, somewhere to turn when you need help.
Airbnb insurance FAQs
Do I need to keep telling you when I let my property?
No, once you enter your details and submit payment for the policy, we will have all the information we need. This means you don’t need to contact us every time you let your property to guests.
Is there a limit on how many guests can be covered?
Unlimited. This host insurance offers cover for multiple sets of guests at one time and multiple lets throughout the policy term. Therefore you can home share/let your whole property and/or multiple rooms out as many times as you like and you won’t invalidate your policy.
Does it protect me if I Airbnb my whole property?
Yes. If you let your whole property and reside at another property, or leave the country on holiday/business, you are still covered.
Which home-sharing sites can this host insurance be used with?
Similar to our policy on guest usage and frequency, we have no limit on which home-sharing platform you use.
Is there a minimum claim value limit?
CoverBuilder has no minimum claim limit in place.
How much does it cost?
Airbnb insurance is just £49.95 for 12 months. That’s just 14p per day, regardless of how much hosting you do throughout the year.
Airbnb insurance in detail
We’ve created a hosting policy that covers areas often left unprotected by your house insurance. It’s important to remember that the elements below are related to a guest being the root cause of any claim.
Up to £800,000 of your buildings
This product will protect your structure up to a value of £800,000. This could be due to deliberate destruction, or via accidental damage.
Up to £75,000 of your contents
This host insurance will protect your contents (furniture and personal possessions) up to the total value of £75,000.
Theft and attempted theft
If a guest causes damage or loss as a result of theft then we cover this up to £20,000. Our product also protects you if your guest leaves your property unlocked and you suffer damage or loss of property as a result.
Accidental, malicious damage or vandalism
We offer up to £80,000 of protection in relations to claims for accidental or deliberate damage, or vandalism to your buildings. We also offer up to £40,000 of cover if a guest damages or vandalises your contents.
Lost key and lock replacement
We cover the cost of getting new keys and locks replaced if the guest loses your keys or damages the locking mechanism.
If your home is made uninhabitable because of an incident caused by your guest, we offer alternative accommodation for you up to £20,000. Airbnb insurance will cover for kennel/cattery costs up to £5000 and cover for your guests up to £350.
Misuse of utilities and services
If you find your guests have misused your services e.g. unauthorised calls and satellite digital purchases, you can claim up to £250.
PLUS host liability insurance
Bodily injury, or death of a guest
If any guests are injured within your property you are covered with £2million legal expenses
Bodily injury, or death of domestic staff
Should you hire any staff in relation to your hosting activities e.g. cleaners, and they are injured at your property, then you are covered up to £2million.
PLUS legal assistance
Assistance for the eviction of persons/overstayers
If you find that any guests are refusing to leave your property, you have somewhere to turn with our legal assistance protection. Our dedicated support will help you with things such as the process of eviction and the returning of the property to your possession.
Defence of a civil claim against you as an Airbnb host
To support our liability cover element, you also have legal support via our civil claim defence.
Removing defamatory comments on social media
The Airbnb insurance policy will assist you to formally contact the social media website in order to request the removal of any defamatory comments.
If you are subject to identity theft as a result of a guest, our legal assistance will provide advice and cover the costs incurred to help rectify the issues.
Please review the full policy wording to understand the limits and conditions of the policy to make sure this insurance is suitable for your circumstance before making a purchase
Enhancing your existing home cover
This Airbnb product has been specifically designed for Airbnb hosts to boost their level of protection alongside their existing home insurer. This is not a replacement for home insurance and should therefore never be bought under those pretences. If you have any questions regarding the suitability of this host insurance please call us on 0333 358 3359 before purchasing.
Informing your existing home insurer
You should inform your existing home insurer that guest-hosting activities are taking place within your property. They may not provide any level of cover, however, failure to inform your insurer could result in you invalidating your home insurance. You could also find that your house insurance is cancelled, leading to other complications if you need to make a claim in future.
Airbnb insurance UK
This home hosting insurance is only available to those who host in a property that is based in the United Kingdom and Northern Ireland.
Your guests’ belongings
We do not cover any guests’ belongings whilst they are within your home. Therefore, any damage or theft would have to be covered under the guests’ own insurance contract.
The video below is a summary of the main cover offered by CoverBuilder’s dedicated Airbnb insurance for hosts.
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