Despite over 50,000 hosts in the UK using sites like Wimdu, Homestay and Airbnb, there is still some confusion over what is covered by a normal home insurance policy.
Users of Airbnb will be familiar with its Host Guarantee, which does offer some protection to those advertising their home through the site, but many hosts are looking for a more comprehensive cover.
Admiral Host Insurance protects your valuable items such as jewellery, art, tablets and more.
Why does Admiral offer host insurance?
Admiral Host Insurance makes the process of short-term home rental easier and gives the right protection to those who need it.
You can include host insurance when you start your normal home insurance policy, and you can then rent your house out for up to 90 days a year.
You can advertise your home or rooms online knowing your home and its contents are covered.
And, as long as you tell us at the start of your policy, you don't have to tell us each time you have a guest staying as long as they're within the 90 day limit!
What does host insurance cover?
To keep things simple and to keep you protected, the cover includes everything you'd expect from an Admiral Home Insurance policy. The only difference is:
- A limit of £5,000 applies for theft, malicious damage and accidental damage to high risk items, unless kept in a locked safe.
So alongside the standard cover of fire, theft, burst pipes and flooding, you can also protect against malicious and accidental damage all year round. Admiral Host Insurance will be your first port-of-call if anything goes wrong.
Host insurance FAQs
Am I eligible for Airbnb host insurance?
If the property is your main residence, you own/have a mortgage on the property and you fulfil the rest of the criteria for our home insurance, then you can get host insurance.
Are landlords eligible?
Unfortunately not. We can only cover people who occupy the property as their main residence, rather than people who rent the property out long term. If you're looking to rent out your home, check out our Landlord's Insurance
Are B&Bs covered?
No. We only cover properties when it is the policyholder's main residence, with cover for hosting guests limited to a maximum of 90 days over the course of the policy.
Which websites can I advertise on?
We allow you to rent your property on any dedicated home sharing website. You can use multiple home sharing websites over the course of the year - you aren’t limited to just one.
How do I buy this cover?
The cover is only available when you buy a new home insurance policy, and can be bought online or over the phone.
How do I claim?
Call our Claims department or visit the make a claim page for more information on making a claim.
