Airbnb host insurance

Not all home insurance policies automatically cover short-term letting, so it is important to declare hosting activity when arranging your policy. Frontier allows properties used for short-term hosting to be insured provided that use is disclosed and the appropriate cover options are selected. This helps ensure the policy accurately reflects the risks involved.

When hosting is declared on the policy, Paying Guest cover can be added as an optional extension to provide additional protection while you are letting the property. You can choose to include cover for Malicious Damage and Theft, which protects against intentional damage or theft caused by paying guests. You can also add Loss of Rental Income Following an Insured Event, which provides cover if you are unable to let the property due to damage caused by an insured event under the policy. The exact protection depends on the options selected and the policy wording.

Liability cover protects you if you become legally responsible for injury to another person or damage to their property. Frontier home insurance policies commonly include public liability cover up to £2,000,000, which is intended to help cover legal costs and compensation if a claim is made against you, subject to the policy terms and exclusions.

Where paying guest cover is included, policies may allow protection against malicious damage or theft caused by paying guests staying at the property. Claims are assessed based on the circumstances of the incident and the terms set out in the policy wording.

Yes, but the important point is that hosting activity is declared when arranging the policy. Whether the property is let occasionally or more regularly, the insurer must be aware that short-term letting takes place so the cover reflects the correct risk.

Airbnb or host insurance is designed for short-term holiday lets where guests stay for brief periods. Landlord insurance is usually intended for longer-term tenancies where tenants occupy the property under a rental agreement. Because the risks differ, landlord policies may include features such as rent guarantee or eviction-related legal cover that would not normally apply to short-term guest stays.

If you discover damage following a guest stay, take clear photographs and retain any booking information or correspondence relating to the guest. You can then submit the claim through the Frontier claims portal and provide supporting evidence so the claims team can assess the situation.