We protect you from the stuff that might happen when you have paying guests, exchange partners or house sitters to stay.
Definition: When your guest purposefully damages your home
Example: Graffiti, organised ‘open house’ party, vandalism
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
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
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
Definition: Buildings insurance is for your physical house, roof, walls, ceilings and floors. Contents covers your stuff. We cover both
Example: Damage caused by fires, leaks, even asteroid strikes
Definition: Covering you even when guests may, or may not, have been involved
Example: Was the damage caused by the guest, contributed to or was just it a leaking pipe?
Definition: Ensuring you always have comprehensive insurance in place
Example: A storm damages your home
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.
It depends on you, your home and the stay.
Most pay £1-3 per day
As an example, we put cover in place for a host’s 2-bed flat on Waterloo Street in Brighton this morning for 4 nights for £5.97, or £1.49 per night.
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.
There really isn’t one…
Please read our policy wording and summary before you purchase our cover.
We replicate your existing policy limits (so there is no drop in cover provided), and if you need help putting normal cover in place please give us a call.
We have a £250 excess and a £1,000 minimum claim – insurance is there for the big things, the things you can’t deal with by yourself rather than a broken wine glass
If we can’t automatically cover you then we’ll do everything we can to help.
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!
At last, a simple, jargon free, on demand insurance for home sharers. Thank you GUARDHOG!