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Why you need specialist HOMECOVER Insurance


Many home insurance policies do not allow you to rent your property out to guests. Making money from renting your property out is considered a commercial activity and in many cases this will invalidate your underlying home insurance, whether that be buildings, contents or both!


Host insurance policies, which cover you for guest related damages and losses, are invariably dependent on a valid underlying home insurance policy so it is vital to check that your home insurer allows home-sharing to take place in your property. Without a valid home insurance policy in place, a host insurance policy will not be able to pay out in the event of a claim!


In addition, things can still go wrong in your property whilst a guest is staying there which would not be covered by a Host Insurance policy, so you need to make sure that your home insurance policy is not invalidated if a guest is staying in your property.

Houses being inspected under a magnifying glass.

What can go wrong

These are just a few examples of things that could go wrong whilst a guest is staying in your home, which would not be covered by your Host Insurance policy:

  • A pipe bursts and causes a flood and causes significant damage
  • The dishwasher malfunctions and causes a fire
  • The house is burgled by an external thief

All of these scenarios would be covered with GUARDHOG’s HomeCover Insurance

Please note that anything not caused by your guests when they are staying will NOT be covered by your host insurance, so it is important to ensure you have sufficient buildings and contents insurance in place.

Guy on the phone to his insurer after his house flooded

Why choose GUARDHOG?


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



Personal Possessions

Public Liability

The property including

  • Domestic fixed fuel oil tanks
  • Drives
  • Patios and terraces
  • Walls
  • Gates and fences
  • Swimming pools
  • Tennis courts
  • Fixtures and fittings 
  • Household furniture and goods
  • Fittings
  • Pedal Cycles
  • TV aerials and masts 
  • Office Equipment and office furniture
  • Jewellery
  • Watches
  • Valuables
  • Money
  • Phone, tablet or computer
  • Sports equipment

If you have taken out buildings insurance, you will be covered for the following:

  • Legal liability to the public

If you have taken out contents insurance, you will be covered for the following:

  • Accidents to domestic employees damages and claimants’ costs and expenses which you or a member of Your Family become legally liable to pay as compensation
  • Occupier’s and personal liability

How does it work

You can choose from monthly policies with no annual commitments or an annual policy.

Register and tell us about you and your home and whether you would like a monthly or annual policy. We’ll tell you what the cost will be.

Sign up to our direct debit and that’s it – you’re covered.

A guy working out his costs for his property

The small print

Please read our policy wording before you purchase HOMECOVER.

Key Facts

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

Associated Products


Sharing friendly home insurance

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Virtual deposits for all super-short lets

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24-hour cover for all home emergencies

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Legal support for home-sharing disputes

Find out more