Can You Turn Your House Into a Holiday Let?
August 18, 2025
Turning your home into a holiday let can be a great way to boost your income and make the most of a property you’re not
Cover your property, guests, and income when renting via Airbnb or other platforms.
Airbnb insurance is a specialised policy designed for property owners who rent out their home, a room, or an entire holiday let to short-term paying guests on platforms like Airbnb. It protects against risks unique to hosting, such as accidental damage, public liability claims, loss of rental income, and periods when your property can’t be used, all of which are often excluded by standard home insurance.
In short: Airbnb insurance is the safety net every host needs to rent their property confidently.
At Policy Powerhouse, we build flexible, reliable insurance for Airbnb owners across the UK. While Airbnb’s AirCover provides free protection, this is not as comprehensive as separate coverage. Depending on your needs, your policy can include:
What’s Typically Covered
What’s Not Usually Covered
Feature | Standard Home Insurance | Airbnb / Short-Term Let Insurance |
Who’s covered | Owner, family, or invited guests | Paying guests, hosts, and staff |
Unoccupied cover | Limited (usually 30–60 days) | Designed for short-term letting and vacant periods |
Guest damage | Typically excluded | Covered for accidental or malicious guest damage |
Public liability | Limited to residents | Up to £5 million cover for paying guests and visitors |
Commercial letting | Often invalidated if the property is rented | Fully compliant cover for commercial short-let use |
Loss of rental income | Not included | Included if your property becomes uninhabitable after an insured event |
Feature | Standard Home Insurance | Airbnb / Short-Term Let Insurance |
Who’s covered | Owner, family, or invited guests | Paying guests, hosts, and staff |
Unoccupied cover | Limited (usually 30–60 days) | Designed for short-term letting and vacant periods |
Guest damage | Typically excluded | Covered for accidental or malicious guest damage |
Public liability | Limited to residents | Up to £5 million cover for paying guests and visitors |
Commercial letting | Often invalidated if the property is rented | Fully compliant cover for commercial short-let use |
Loss of rental income | Not included | Included if your property becomes uninhabitable after an insured event |
If you list your property on Airbnb or another short-let platform, standard home insurance won’t cover you for most guest-related risks. Many insurers class short-term letting as a commercial activity, leaving you exposed to financial loss if a guest damages your property or makes a claim against you.
That’s where Policy Powerhouse comes in. Our Airbnb host insurance in the UK gives you peace of mind with comprehensive protection, tailored to the way you rent.
We’re not your average insurer; we’re specialists with over 30 years’ experience protecting holiday homes and short-term lets across the UK.
Our insurance for Airbnb owners is built for short-term rentals, offering flexible cover to suit your specific needs. Whether you rent out a single room or an entire holiday home, we provide protection against unexpected risks, ensuring you have the right insurance in place without paying for cover you don’t need.
Get insured quickly with our simple online quote system. No lengthy phone calls or confusing paperwork - just a fast, straightforward process that delivers a competitive quote in minutes. We make it easy to secure the right cover, so you can focus on welcoming guests and running a successful Airbnb rental.
With over 30 years of experience, we know the risks holiday let owners face. Our home insurance for Airbnb properties, backed by top-rated insurers, provides reliable protection against property damage, liability claims, and lost income, so you can rent out your property with total confidence, knowing you’re covered for the unexpected.
Our online quote and buy service is great for arranging cover for holiday let insurance or multiple holiday lets but if you have special requirements such as:
Then we can still provide great terms with our insurance for non standard build holiday homes, but we will need a little more detail so please complete our online enquiry form and we will get back to you with a tailored quotation.
Airbnb offers AirCover, but it has significant limitations. It’s not a comprehensive insurance policy and may not cover all damages, liability claims, or loss of rental income. Relying solely on Airbnb’s protection could leave you exposed to financial risks. Dedicated home insurance for an Airbnb property UK can provide full coverage for unforeseen incidents, including guest-related damages, legal claims, and income loss. With personalised protection, you can host with confidence, knowing you’re protected against unexpected costs that could otherwise impact your property and earnings.
Policy Powerhouse provides tailored Airbnb home insurance UK to suit different types of holiday lets and host requirements. Our policies can include:
It’s always better to be safe and fully covered in the event that something goes wrong. This ensures you and your guests are covered for any damages that occur on the property and means that you can continue to earn money from your holiday let property even if it can’t operate as intended.
Protect your investment with a tailored holiday home insurance for airbnb policy from Policy Powerhouse. Our quick online airbnb home insurance quote system makes getting cover simple and easy. Don’t leave your property at risk – secure the right insurance today and host your Airbnb with confidence.
No, Airbnb home insurance is tailored for short-term lets, covering risks specific to guest stays, while standard holiday home insurance may not provide adequate protection for frequent turnover.
Yes. Public liability insurance for airbnb hosts protects you from claims if a guest is injured or their property is damaged during their stay.
We cover a range of properties, including flats, detached homes, holiday cottages, and even holiday let complexes with shared facilities.
Yes. Regular home insurance does not cover Airbnb rentals, meaning you could be at financial risk if a guest causes damage or makes a liability claim. Our holiday let insurance for airbnb properties will ensure you are covered.
Yes. Airbnb’s AirCover is not a full insurance policy and may not pay out for all claims. Our Airbnb public liability insurance UK ensures complete protection.
Yes. Standard home insurance usually excludes short-term or commercial letting. Without dedicated Airbnb host insurance in the UK, you could be unprotected against guest-related damage or liability claims. Specialist host insurance for Airbnb properties ensures your rental income and home are fully covered when letting short-term.
No. Most standard home policies don’t cover paying guests or frequent turnover. Airbnb commercial insurance is designed for short-term letting, protecting against accidental damage, income loss, and liability claims. Property insurance for Airbnb owners ensures complete, compliant protection for your short-term rental business.
Not entirely. Airbnb’s AirCover isn’t a full insurance policy and has notable exclusions. It may not cover all damage, liability, or loss-of-income claims. Airbnb homeowners’ insurance from Policy Powerhouse provides comprehensive cover, ensuring your property and earnings are protected from guest-related incidents and unexpected interruptions.
Yes. With Policy Powerhouse’s Airbnb host liability insurance, if your property becomes uninhabitable due to insured damage, we’ll compensate your lost rental income. Our insurance for Airbnb properties in the UK keeps your business protected, ensuring financial stability even when unforeseen events disrupt your bookings or availability.
Absolutely. You can include multiple listings, short-term rentals, or seasonal lets under one Airbnb insurance for owners’ policy. Whether you host occasionally or manage several properties, our commercial insurance for Airbnb ensures flexible, affordable cover tailored precisely to your short-term let hosting setup.
If you employ staff like cleaners or gardeners, Employers’ Liability Insurance is legally required. Public liability insurance for Airbnb hosts is strongly advised. Policy Powerhouse’s Airbnb host insurance UK meets these obligations while safeguarding you from costly claims linked to guest injuries or property damage.
The cost of Airbnb homeowners’ insurance varies depending on property size, type, location, and how often it’s rented. Policy Powerhouse provides fast, competitive quotes for insurance for Airbnb properties in the UK, ensuring you only pay for the cover you need – with flexible, reliable protection for every host.
Don’t let a single mishap put your Airbnb business at risk.
With Policy Powerhouse, you get:
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