house to let

What Happens to my Home Insurance if I Rent it Out on Airbnb?

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Changing Nature of Home Use

Turning your home into a temporary lodging space for guests naturally changes its use from solely private to partly commercial. Whilst Airbnb offers a host guarantee, it's not a substitute for proper home insurance. It's paramount to comprehend how this shift impacts your insurance policy.

Standard Home Insurance and Airbnb

Not Always Compatible: Many standard home insurance policies in the UK might not account for short-term rentals. Renting out your home without notifying your insurer can invalidate your policy.

Reasons for Concern: Insurers often worry about the increased risk associated with short-term lets. There's a heightened possibility of property damage, theft, or liability issues when hosting unfamiliar guests.

Airbnb's Own Host Guarantee

Airbnb provides its host guarantee, which offers some protection for property damage caused by guests. However, there are important considerations:

Not Comprehensive: The host guarantee is not insurance and won't protect against wear and tear, certain types of property damage, or personal liability claims.

Claims Process: Claiming under Airbnb's system has its own set of requirements, and it's always advised to rely on your own insurance as the primary protection.

Options for Homeowners

For homeowners looking to use Airbnb or similar platforms, there are several steps to consider:

Inform Your Insurer: Before listing your property, speak to your current insurance provider. They'll guide you on whether your policy remains valid or if adjustments are needed.

Specialist Insurance: Some companies offer specific insurance products designed for short-term rentals, covering areas standard policies might overlook.

Regular Review: As the nature and frequency of your Airbnb use changes, review your insurance situation to ensure you remain adequately protected.


Renting out your home on platforms like Airbnb can be a profitable venture, but it's essential to navigate the insurance implications with care. By keeping informed and making sure you're adequately protected, you can enjoy the benefits of Airbnb hosting whilst safeguarding your valuable property.

Note: This article offers general advice and may not cover specific situations. Always consult with a professional or your policy documentation for detailed guidance.

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What happens if ...

my flight is delayed?     my greenhouse is damaged in a storm?     my heir dies before me?     my holiday caravan gets damaged?     my holiday is cancelled?     my home is burgled?     my landlord is not insured?     my tenant defaults on the rent?     my insurer goes bankrupt?     I put wrong information on an application form?     I drive without insurance?     I forget to renew my pet insurance?     I have a car accident abroad?     I have a foreign no claims bonus?     I am injured in a rented car?     I change jobs and lose health insurance?     I make a claim for subsidence?     I make a home insurance claim from abroad?     I miss a car insurance payment?     my business suffers from an unexpected event?     my home suffers from flood damage?     I let my home insurance lapse?     my pet causes an accident?     I have no liability insurance?     I underestimated the value of my home contents?     I get a critical illness?     I get food poisoning abroad?     I have a pre-existing medical condition?     I hit a pedestrian in my car?     I lose my travel documents?     I lose my mobile phone?     I am injured at work?     I need surgery abroad?     I rent my house on airbnb?     I use my car for business?     my business is sued?     my car is vandalised?     my child is ill abroad?     my computer is hacked?     I forget to inform insurers of convictions?     I am involved in a hit and run event?     I cancel my insurance early?     I fail to declare car modifications?     I have an accident in a rented vehicle?     my tenant damages my property?     I cancel my holiday at the last minute?     I accidentally damage another person's property?     I rent my car out?     I buy a car with outstanding finance?     A tree falls on my property?