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Guest cover

Why you need GUESTCOVER

Over 7% of guests have been scammed over a non-existent short-term rental property, and 25% have arrived at properties that are not how they were described. In addition, there are a number of things that can go wrong with a short-term rental booking which leaves the guest stranded and out of pocket.

What can go wrong

These are just a few examples of things that could go wrong:


The property’s boiler breaks so you cannot stay as there is no heating or hot water. You are refunded by the host but similar properties in the same area are more expensive to book at the last minute.


You arrive at the property and it is unrecognisable from the pictures on the listing.


The host has a family emergency and so needs to remain in their home which you have booked for your own holiday. They refund you, but you need to pay for another property in the same area and prices have gone up.


You book and pay for a property but arrive and find it does not exist.

All of these scenarios would be covered with GUARDHOG

House damaged by short-term rental guests



Backed by many of the world’s leading insurers, we’ve covered millions of nights of ‘hosting’ in properties ranging from castles to treehouses and boats to earth houses, establishing GUARDHOG as a market-leading force in the short-term rental market.


In addition to being insurance experts with a background in developing new products, our team consists of Airbnb super hosts, guests, house-sitters and home swappers. We know the problems and have developed the right products to solve them.


Our products are built to work for anyone that might need them. We offer various payment options and the ability to connect to our bespoke technology, ensuring cost effective cover is in place whenever you need it.

Whats Included

  • Home Failure
  • Home misrepresentation
  • ​Host cancellation
  • ​Home fraud​

A situation where a host’s home unexpectedly has one or more of the following:

  • No electricity or functional and safe lighting
  • No running water or hot water
  • No refrigerator or the refrigerator is out of order
  • No functional cooking element such as an oven, stove, or microwave
  • Appliances that are unsafe
  • A significant presence of pests
  • No functional sewage system, bathtub or shower
  • A leak from the roof
  • The inability to close a door or window on the ground floor overlooking a public space 
  • Noisy building work or activities that cause disruption to the property outside local working hours

A situation where a host’s home has been unexpectedly misrepresented to their guests when compared to the listing:

  • A lower sleeping capacity than the number of beds declared in the listing
  • The home’s décor is not up to an acceptable standard including: badly flaking paint, peeling wallpaper, damp on walls and ceilings
  • Damaged or broken fixture and fittings
  • The interior of the dwelling is not protected from rain
  • Large amounts of lime-scale or mould on grouting in bathrooms
  • A messy home e.g soiled beds, carpets and unemptied interior bins
  • Broken blinds or curtains in bedrooms that mean they cannot be closed properly
  • Insufficient amounts of kitchen equipment and utensils in relation to the sleeping capacity of the home
  • An animal or pet in the home that wasn’t disclosed prior to booking

Please note that two or more of the above must be present to make a claim

A situation where a home is unavailable to you for a prior booking due to:

  • The host now needing to stay at their home e.g. their holiday has been cancelled, sick relatives
  • The Police or other authorities requesting you do not stay at the home

A situation where:

  • You have made and paid for a booking through an approved platform and it subsequently transpires the host’s account has been hacked fraudulently and payment for the booking has been stolen
  • A fraudulent listing has been posted on a booking platform and payment has been taken but the property does not exist

How does it work

Pay per trip

You only pay for cover when you are staying in a short-let property. Just sign up to GUARDHOG, choose Autohog and link your I-calendar and then we will automatically cover every stay. You will receive an email before each trip confirming that cover is in place.

Our Autohog calendar on a phone

The small print

Please read our policy wording before you purchase GUESTCOVER.

Key Facts


Please refer to your policy word for exclusion details and specific item limits

Associated Products


Virtual deposits for all super-short lets

Find out more