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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 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.
