Airbnb Insurance
Our Airbnb Insurance Covers Short-Term Rental Hosts
Renting out your property on Airbnb or similar platforms can be a great source of income—but it also brings unique risks that standard home insurance won’t cover. From guest-related damage and accidental breakages to liability claims and cancellations, having the right protection is essential.
ABA Insurance provides specialist Airbnb Insurance, offering tailored cover for hosts letting out whole properties or spare rooms on a short-term basis. Whether you rent occasionally or run a full-time holiday let business, our policies protect your property, contents, income, and legal liabilities.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Airbnb Insurance?
Airbnb Insurance is a specialist policy designed to protect homeowners and landlords who rent out properties or rooms on Airbnb and other short-term letting platforms. It provides broader and more relevant protection than standard home or landlord insurance, addressing the risks of frequent guest turnover, guest-caused damage, and liability claims.
This insurance is ideal for:
- Hosts renting out entire properties on Airbnb
- Homeowners letting out spare rooms
- Landlords running short-term rental portfolios
- Property investors using Airbnb, Vrbo, Booking.com, and similar platforms
- Owners of holiday homes, flats, or serviced apartments
Without the right cover, Airbnb hosts risk being left out of pocket due to guest damage, theft, or legal claims—particularly as Airbnb’s Host Guarantee is not a substitute for insurance.
Why Do You Need Airbnb Insurance?
Airbnb’s Host Guarantee Has Limitations
While Airbnb offers a Host Guarantee, it doesn’t cover everything, such as wear and tear, cash, valuables, or liability claims. Our insurance fills those gaps.
Protection for Guest-Related Damage and Theft
Accidents happen. Whether it’s a broken table, stained carpet, or missing appliance, our cover ensures you’re reimbursed quickly and fairly.
Cover for Public Liability and Legal Claims
If a guest is injured during their stay—by tripping, slipping, or using faulty equipment—you could be held liable. Our policy includes public liability insurance to cover legal defence costs and compensation payouts.
Insurance That Covers Short-Term Letting
Most home insurance policies become invalid when you start letting on Airbnb. Our policy is specifically designed for short-term rentals, keeping you compliant and covered.
Business Interruption Cover
If your property becomes uninhabitable due to fire, flood, or other insured events, our policy can help recover lost rental income during the downtime.
What Does Airbnb Insurance Cover?
- Buildings insurance for fire, flood, storm, and structural damage
- Contents insurance for furniture, décor, appliances, and electronics
- Accidental damage cover for guest-related incidents
- Theft and malicious damage protection
- Public liability insurance for guest injuries or third-party claims
- Employers’ liability insurance (if using cleaners or maintenance staff)
- Loss of rental income if the property becomes uninhabitable
- Legal expenses cover for disputes or claims
- Alternative accommodation (optional) for displaced guests
Get The Right Business Insurance
What To Look Out For When Getting The Right Airbnb Insurance Cover Policy
Concerned About Guest Damage Not Covered by Airbnb?
Airbnb’s Host Guarantee is not legally binding and doesn’t cover all scenarios. Our policy ensures you’re covered for accidental and malicious damage, theft, and more.
Worried About Liability if a Guest Gets Injured?
If a guest is hurt at your property, legal action can follow. Our public liability cover protects you from claims and legal costs.
Unsure If Your Standard Insurance Still Applies?
Many hosts are unaware that short-term letting invalidates standard home cover. Our Airbnb Insurance is fully compliant with UK short-let laws and insurer requirements.
Want Cover for Last-Minute Cancellations or Income Loss?
If your Airbnb has to close unexpectedly due to damage, our loss of rental income cover helps keep your finances stable.
Looking for Flexible Cover for Part-Time or Full-Time Hosting?
Whether you rent occasionally or run a full-time Airbnb business, we offer customised policies to match your level of hosting and occupancy.
How Much Does Airbnb Insurance Cost?
The cost of Airbnb Insurance depends on:
- The location, size, and type of property
- How often the property is rented out
- The value of contents and fixtures provided to guests
- The level of liability and legal cover you require
- Previous claims history and risk profile
ABA Insurance offers tailored policies at competitive rates, helping you find the right cover for your hosting needs.
Why Choose ABA Insurance for Airbnb Insurance?
- Specialist expertise in short-term rental and holiday let insurance
- Flexible policies for part-time and full-time Airbnb hosts
- Competitive pricing with cost-effective protection
- Fast quotes and a hassle-free application process
- 24/7 claims support to keep you covered at all times
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Airbnb Insurance Today
Protect your property, income, and reputation with Airbnb Insurance from ABA Insurance. Whether you let occasionally or run a short-term rental business, we’ll help you find the right policy.