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Introducing HOME and HOSTCOVER: the perfect home-sharing insurance solution

Posted by Guardhog Team on October 23, 2020 · Blog

If you’re new to the Airbnb scene or you’re just in the midst of your insurance search, we’re here to help you!

Finding insurance is painful at the best of times and when it involves having paying guests to stay, it can be even more so. That’s why GUARDHOG was started. We’re the market-leading Airbnb insurance experts.

Simply put, if you use Airbnb and haven’t spoken to us about insuring your home then you need to pick up the phone, or at the very least read the below.

Airbnb logo on a mobile phone

Award winning Airbnb insurance

In a nutshell, we’re a team of insurance and Airbnb experts, and all our insurance products have been created by hosts for hosts.

Our HOSTCOVER is an insurance policy designed to cover you for any damages caused by guests that stay in your property. This includes: accidental damage, malicious damage, theft and public liability – the guest falling down the stairs. You can bolt this on any home insurance policy but, and it’s a big BUT…


If you don’t, they may reject any claims you make, including those not related to Airbnb.

98% of home insurance policies do not cover Airbnb activity properly, and over 60% will not want you as a customer. We have heard too many stories about customers having issues with their standard insurers when they inform them that they are home-sharing.

A Airbnb host working out the cost of her insurance

Still have questions? You can find out more in our blog post about what hosts need to know about insurance.

That’s why, as well as offering cover for guest damages to your property (HOSTCOVER), we are also now super excited to be able to offer standard Buildings and Contents insurance that allows for home-sharing to take place! (HOMECOVER)

That’s why we decided to create our very own solution to this problem. 

We have an extensive panel of insurers who are ready to quote for any eventuality. 

The beauty of it is that if you’re an Airbnb or other short-let host, all of your insurance can be kept under one roof, if you choose our HOST and HOMECOVER. This removes that administrative headache of keeping on top of your different insurance providers.

To put it simply – cover for guest damages and cover for your standard risks all through GUARDHOG.

Our benefits

What are our other benefits I hear you ask? Excellent question!

Flexible – We work around you and your bookings. We have annual, monthly or pay-per-stay payment options, with our tech putting cover in place for you automatically on the nights that you have guests!

Affordable – Our prices are designed to work around your bookings to ensure you’re not paying for insurance when you don’t need it!

Easy and smooth claims process – Making a claim can be stressful. That’s why we take all the work out of your hands when it comes to making a claim. You can relax knowing that we’ll deal with it and get you the indemnity you deserve.

Someone to talk to whenever you need – You have access to an email run by an actual person (that’s right, no automated responses!) and our team are always on hand if you’d prefer a call to talk things through. So you can ask any questions you need and get a genuine, and quick reply! 

Phone on a white background

High coverage – With up to £1million cover for buildings and £250,000 for contents, we are up there with the best of the best when it comes to coverage!

Referrals – Have something non-standard? Try us! We will refer it and do everything we can to get you covered fast. Our sales staff are always willing to listen to you and adapt a form of cover that works best for you!

Don’t just take our word for it though! We love our customers, so why not check out what they are saying about us over on TrustPilot. Our reviews are why we believe we can offer the best form of cover for you as a host.

Monthly payment options – Want to pay monthly? No problem, we can do that for you.

Non-standard risks – Is your property thatch? Had previous subsidence? Previous bankruptcy or convictions? We can help you with that too. Our panel of insurers have over 90% quotability!

Competitive prices – With over 10 insurers, we have a huge range of competitive rates to choose from. We are confident that we can provide the right solution for you and your home.

Allows home-sharing – Of course, this is a standard home insurance policy, so anyone can use it! Unlike other providers however, we do allow our customers to let their home out to guests too. This can be a hard form of cover to find nowadays!

Interested in switching home insurance providers? Why not get a quick quote from us or give a member of our team a call: 020 3927 4080. They’ll be happy to have a chat and answer any questions or queries that you may have.

Insurance for Airbnb and other short-term rental hosts