Understanding Public Liability Insurance for Holiday Lets
21 March 2025
As a holiday let owner, ensuring your property is covered against potential risks is essential. While you may focus on providing a fantastic stay for
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Airbnb insurance is a specialised policy for property owners who rent out their homes or holiday lets to short-term guests. Standard home insurance often excludes commercial letting, leaving hosts vulnerable to financial risks. Airbnb hosting insurance cover protects against accidental damage, liability claims, and loss of rental income, ensuring Airbnb hosts can operate with confidence and peace of mind.
Standard home insurance policies are not designed to cover properties used for commercial holiday letting. Most insurers view short-term rentals as higher risk due to the frequent turnover of guests and potential for damage. Airbnb home insurance bridges this gap by offering comprehensive cover that includes property damage, public liability, loss of rental income, and even malicious damage caused by guests. Without the right insurance, Airbnb hosts could face significant financial losses in the event of an incident.
Our Airbnb insurance 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 Airbnb insurance, 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 insurance for an Airbnb property 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 hosting insurance 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 Airbnb insurance policy from Policy Powerhouse. Our quick online 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 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.
Yes. Airbnb’s AirCover is not a full insurance policy and may not pay out for all claims. Dedicated Airbnb hosting insurance ensures complete protection.
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