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Airbnb insurance – HOSTCOVER

Airbnb insurance tailored specifically for short-lets

Protecting your home against guest damage

Flexible payment options for holiday homes on Airbnb and other booking/home-sharing platforms.

An outside seating area at a holiday home protected by guardhog's airbnb insurance

Trusted by our customers

Highly recommended

They researched what I needed, spent time working out what policy was right for me and what I could get (way beyond the call of duty) and were so pleasant to deal with.
Faith Liddell
Google review

Really good people

Really good people to do business with. They were very clear in their explanation of what was included and what wasn’t and answered all my questions clearly. Very nice people to deal with.
Andy Byrd
Trustpilot review

Comprehensive and affordable

They are absolutely brilliant. The cover is comprehensive, clearly laid out and affordable, the service and communication fast, efficient, friendly …nothing seems a bother.
Julie Owen
Google review

Read more reviews from our customers

Your current coverage might not be enough

Standard home insurance doesn’t cover commercial purposes

Most insurers don’t provide cover for Airbnb,, or paying guests in general. In fact, having paying guests stay can invalidate your policy altogether.

The platform you use might not offer the best solution

Most of the major booking platforms don’t provide adequate protection (if at all) for your property. This leaves one of your most valuable assets, your home, at risk.

Without the right insurance, you could face a hefty bill

When renting your home out to strangers online accidents will happen. That’s why you need to be prepared with the right type of cover so you’re not left out of pocket.

a female host sat on a sofa looking happy because her home is protected by guardhog's airbnb insurance

Specialist Airbnb insurance for hosts and homeowners

Our HOSTCOVER acts as additional specialist cover that sits on top of your current standard home insurance, providing you with the relevant protection for guest-related damages.

So you can rest easy at night and host with complete peace of mind.

The finer details

What our Airbnb insurance covers

We know that hosting is a full-time job and that damage can happen at any time. As hosts ourselves, we created our HOSTCOVER with the needs and requirements of hosts at the heart of what we offer so that your property can be online and taking bookings for as long as possible.

a property by the sea that is protected by guardhog's airbnb insurance
  • Accidental damage by a guest to buildings and contents
  • Malicious damage/vandalism to buildings and contents by a guest
  • Theft or attempted theft by a guest
  • Public liability (e.g. guest injury or third-party damage)
  • Home-share liability (e.g. home sharing or home swaps)
  • Replacement keys and locks
  • Infestation
  • Loss of income

Host with confidence through our flexible purchasing plans


Only hosting a few stays? Pay for cover only when you need it.


Have busier months? Purchase our cover for when you need it most.


Taking bookings all year round? Our annual plan offers you hassle-free hosting.

How does our Airbnb insurance compare?

Buildings covered up to £1.5m

Contents covered up to £250,000

Valuables up to £10,000 per item

Cover up to £2m for public liability

Loss of income


Traditional insurers*

Other competitors

Airbnb’s aircover

*Depending on your home insurance you may or may not be covered in these areas. If you are not or you are unsure, we’d love to discuss how we can help.*

Frequently asked questions

Will I be covered if a guest causes a fire?

Yes. Our HOSTCOVER covers any damage caused by a guest, including accidental & malicious damage.

Do I have to tell my main insurer about this cover?

Yes. It is important that your main home insurer is aware that you are having paying guests in the home as this could compromise their cover and stop you from claiming for non-related guest damages. If your main insurer doesn’t allow this, then we do also work as a traditional broker and can source main underlying home insurance for you with a provider who allows this type of use. Find out more about our home insurance.

Do I need to let you know every time I have a guest to stay?

If you pay monthly or annually, no. We will cover every booking within that period of cover. If you opt for our pay-per-stay option, we will link up to your Airbnb/ calendar (through adding your ical link to your account) and get notified automatically of each stay. Alternatively, some of our customers like to drop us an email with the dates each time and we will add the stays in manually for you. We’re very flexible, so whatever suits you best!

Do you only cover UK-based properties?

Yes. Our HOSTCOVER only operates in the UK but we do have our partner company SUPERHOG, who offers a similar globally accessible guest damage protection cover which also includes their guest verification service. If you would like to know more please visit

Host with complete confidence

airbnb insurance by guardhog