Airbnb Insurance

Name: Jensten Insurance Brokers
Brand: Jensten Insurance Brokers
Rating: 4.7 (781 reviews)

Often people host via Airbnb in their own house or flat, so we understand how important protecting that from claims where possible is. 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.

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 Airbnb. 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.

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What does Airbnb Insurance cover?

While there is a basic level of cover provided by Airbnb there are a number of eventualities and types of claim you may wish to have covered when hosting, including:

Accidental Damage Cover for Airbnb

Airbnb’s policy of both the host and guest reviewing each other means it’s in their best interests to treat your home with respect. That being said accidents can happen with even the most considerate guests.

Buildings & Contents Insurance for Airbnb

Our specialists can also help tailor your Airbnb homeowners insurance based on your required level of buildings and contents coverage. At Jensten Insurance Brokers we can help advise on the ideal cover that will help meet your needs, be it single buildings or content coverage, or a combined policy.

Home Emergency Cover for Airbnb

Having a broken boiler or central heating is one of the largest inconveniences you can experience. Not only is the cost to repair any damage usually significant but the worse problems can render your home inhospitable, particular if your heating is affected in the winter. If your income relies on Airbnb guests at your home being unable to host them due to a home emergency can be a major burden.

Why use Jensten

Dedicated

We are dedicated to our clients

Trusted

We are the trusted broker to hospitality and leisure clients

Flexibility

Tailored insurance to the needs of your business

Talk to the experts

Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.

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Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

What does Airbnb 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 Airbnb ‘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 Airbnb. Our experts in Airbnb 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 Airbnb homeowners policy can.

If there can be any doubt this blog post on the necessity of insurance while renting via Airbnb, 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.’

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Need Airbnb Insurance?

For comprehensive Airbnb Insurance