Airbnb Host Insurance

No, we cannot cover accidental damage, malicious damage, or vandalism caused by a paying guest. However, we do cover accidental damage you cause yourself, or malicious damage if someone else, such as an intruder, causes damage to your property.

No, we cannot cover theft that has been committed by one of your paying guests. However, if you are burgled and violent and forcible means has been used to enter the property, then you will be covered.

Yes. You don’t have to be a live-in Airbnb host. If you use Airbnb to run short-term lets as part of a rental portfolio, this policy will work for you.

Yes. Up to £2m for third-party claims, and up to £10m for domestic employees. Therefore if someone gets hurt in and around your Airbnb property, you’ll be covered. Please note that you and your relatives however, are not covered.

We can cover as many guests as you wish in your Airbnb.

Probably not. Most home insurance policies won’t cover paying guests in your home.

Not always. Your policy might not cover short term lets or anything that isn’t a standard assured shorthold tenancy (AST) agreement.

As Airbnb state, you need to carefully consider whether the host protection insurance offered covers everything you need. It won’t cover your building and contents, for instance. Read the terms, check the small print – and decide what level of risk you can afford.

No. Our Airbnb host insurance policy does include loss of income but only in the case of an insured peril such as leaks or a fire. If a guest stays with you but refuses to pay, we aren’t able to pay out the money you’ve lost.

Yes, you can add cover for home emergencies to your property insurance policy.

We have three levels of home emergency cover, starting with emergency repairs to the primary heating system at your property. It can be extended to include emergency repairs to your drainage and water services, securing broken windows and doors - and dealing with pest infestations.

It also offers you access to a 24-hour helpline and network of reliable UK tradespeople. Please talk to your Towergate adviser for details.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.