T: 0207 199 6610     E: info@guardhog.com
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T: 0207 199 6610     E: info@guardhog.com
REGISTER     |     SIGN-IN

HOSTCOVER

Trailblazing home-sharing insurance

We protect you from the stuff that might happen when you have paying guests, exchange partners or house sitters to stay.

airbnb insurance

Malicious damage

Definition: When your guest purposefully damages your home

Example: Graffiti, organised ‘open house’ party, vandalism

Accidental damage

Definition: When your guest has an unexpected incident that damages your home or stuff

Example: Spilling a glass of wine, knocking a picture off the wall

Theft

Definition: When your guest, or someone else, takes your stuff home with them

Example: Burglar Betty, who might be your guest, or who might have snuck in when your guest left a window or front door open by mistake, making off with your cheese fondue set

 

Public liability

Definition: When your guest has an accident or suffers an injury in or around your home

Example: A ceiling collapses or they fall down the stairs

Home-sharing liability

Definition: When your guests cause damage to a neighbouring property

Example: Damage to a downstairs flat after the bath taps were accidentally left on

Protecting you even if guests are not involved

Definition: Covering you even when guests may, or may not, have been involved

Example: Was the damage caused by the guest, contributed too or was just it a leaking pipe?

Plus, the following additional cover for professional Airbnb landlords:

Loss of rent

Excessive use of utilities

Replacement keys and locks

Bug&bear cover (infestation)

Legal expenses

Identity theft

Property of sharers

We’re here for you when others aren’t

Most platform guarantees do not replace your insurance policy, and at best will only cover damage directly attributable to the guest, this creates those grey areas!
Your existing insurer is likely to suspend or restrict cover, and even if they say it’s OK, this doesn’t mean you have the extra cover needed for the new risks. With GUARDHOG there’s no need to replace your existing insurance and we protect you when accidents happen.

home sharing insurance

What does HOSTCOVER cost

It depends on you, your home and the stay.

Keep Bob in the box

Most pay £1-3 per day

As an example, a host put cover in place for their 2-bed flat on Waterloo Street in Brighton this morning for 4 nights for £5.97, or £1.49 per night.

How does it work

You only pay for the nights guests stay

Putting cover in place for every stay would be a real ‘boar’ so we’ve built some neat tech to do it for you. Sign up to GUARDHOG, choose Autohog, and then we can automatically cover each and every stay.

It’s fuss free with no annual commitments.

What’s the catch

Cutting through the swill…

Please read our policy wording before you purchase our cover.
You need to have valid underlying insurance in place, and you should let your existing insurer know you’re home-sharing
Let us know if you need help with annual cover
We replicate your existing policy limits (so there is no drop in cover provided)
We have a £250 excess and a £1,000 minimum claim – insurance is there for the big things rather than a broken wine glass

Helping you share

Solving the sharing economy insurance problem
0%
of hosts rent their real homes
0%
of hosts have never been guests
£0
Average tax free earnings p/host p/year
0%
of hosts fear damage to their property

Here’s what our members say

  • I couldn’t be happier to have discovered GUARDHOG, they have taken away the stress and worry of insuring my home while having airbnb guests to stay and hosting paying guests.

    The team were incredibly helpful and reassuring and the website is straightforward and easy to use. Thank you so much!

    RB. London
  • At last, a simple, jargon free, on demand insurance for home sharers. Thank you GUARDHOG!

    AR. Somerset