Bed and Breakfast home insurance from CoverBuilder

If you run a Bed and Breakfast from your property it is likely that a standard home insurance provider will not be able to offer the right cover for your needs. The business use at your property is likely to be a offputting for many of the biggest insurers. At CoverBuilder, we are bed and breakfast home insurance specialists. We provide comprehensive cover for your home that you use as a B&B. This cover for bed and breakfast use can also provide insurance for UK Airbnb hosts. This includes people who let out a room at their property on a full or part-time basis.

Features of a CoverBuilder B&B Home Insurance Policy include:
  • Combinations of buildings and contents cover available
  • Cover even if you take on multiple guests at a time
  • Instant online quote and premium
  • Policies available for larger than average properties
  • Generous valuables cover limits
  • Average call centre answer time under 1 minute

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How much does Bed and Breakfast Insurance cost?

It is generally more expensive to insure your B and B than it is to insure your private family home. This is because a higher number of people will be passing through the property. The risk of damage happening is therefore higher. However, we aim to provide competitive quotes for B&B properties and often return cheaper premiums than many of our competitors. This is despite the business use that is taking place at the property. We want to make sure that bed and breakfast home insurance costs are not prohibitive to the successful running of a business from your home.

Room at Bed and Breakfast home insurance

In addition to higher premiums, Bed and Breakfast home insurance services can be harder to find in the first place. This is because it is a more specialist risk. Many insurers cannot provide flexible policies that can allow for a property being used as someones home as well as their business. There is also the additional issue that such properties are likely to be larger than the average home. Luckily, at CoverBuilder this is an area we have chosen to specialise in.

Guest House Insurance

Our Bed and Breakfast home insurance policies can also cover you if you require guest house insurance. With our policies, you’ll be covered no matter how you choose to accept your paying guesting into your property. The only condition is that you must remain in residence during their stay. This includes providing cover for you if you are an Airbnb host, or if you let out rooms via onefinestay or another room letting provider.

Cover for your personal possessions

If you want cover for higher value items such as mobile phones and items of jewellery then this can be included in your B and B home insurance policy. If you take your items away from home they will, therefore, be covered.  When they are at home, they will be included in your contents cover as standard. This provides complete peace of mind that you are protected. The section below explains how to quote for this cover:

In total, how much cover do you require for personal possessions that you take away from home (each individual item must be valued under £1,000)?

This section of cover is relating to personal possessions that you want cover for away from home. These items should not individually have a high value. This will include things such as mobile phones, lower value items of jewellery and general handbag contents. This sum does not need to include specified valuables over £1000.

Do you also want to cover any individual high-risk items valued at £1000 or more in and/or away from home?

Specified personal possessions cover is for items that are classed as valuables and are individually worth more than £1000. Valuables include things like precious metals, works of art, watches and furs. You can choose to cover these items either within or away from the home when completing your quote. Covering them away from home is likely to be more expensive.



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