What is the 90-day rule, and will it apply to my Airbnb insurance?

Landlords in Greater London are only allowed to rent out a property for short-term lets for a maximum of 90 days a year. You can read more about the 90 day rule in our guide to 90-day rule .

Do I need insurance for my Airbnb property?

While Airbnb does provide limited cover for damage caused by guests to your and third-party property and your liability in relation to your guests, you do still need buildings and/or contents insurance to cover all other losses such as fire, theft, storm, flood, escape of water etc. Not all insurers accept Airbnb arrangements, so you would need to make your main property insurer aware of your intentions.

Do I need public liability insurance for an Airbnb?

While Airbnb does provide limited liability in relation to your guests and damage caused by guests to third-party property, you will still need cover for your liability to the general public in connection with anything unrelated to Airbnb. Not all insurers accept Airbnb arrangements, so you would need to make your main property insurer aware of your intentions.

Does homeowners insurance cover Airbnb?

If you do not make your insurers aware, then your policy could be invalid. Most standard homeowner's insurance policies exclude cover for short-term rentals and would also exclude cover for malicious damage or theft by people lawfully in the property, so this type of policy is not suitable.

Does my landlord insurance cover my Airbnb rentals?

If you do not make your insurers aware, then your policy could be invalid. Most standard landlord insurance policies exclude cover for short-term rentals and would also exclude cover for malicious damage or theft by people lawfully in the property, so this type of policy is not suitable.

Airbnb Insurance | Alan Boswell Group

Name: Airbnb Insurance
Brand: Alan Boswell Group
Rating: 4.9 (1420 reviews)

Renting out your home through Airbnb is a great way to advertise your holiday rental property, especially if you intend on having guests throughout the year rather than just during peak seasons.

As a successful holiday home is often occupied all year round, your property is likely to receive a steady influx of guests. This is great, but it also increases the risk to your property and the furniture within it.

We can arrange insurance for different types of Airbnb rentals, including:

Properties occupied by the owner/host

Holiday accommodation combined with other uses, for example, longer-term AST lets during ‘low season’

Year-round holiday accommodation

Serviced accommodation

Properties leased on ‘rent-to-rent’ contracts

The Alan Boswell Group Difference

We are specialists when it comes to rental property insurance. We make use of landlords insurance statistics to help provide quality cover at a competitive price, handled by insurance experts with exceptional customer service.

We also have a landlord advice hub that is full of useful information to help landlords and property owners find the advice and products needed.

How our customers rate us

They were very helpful in setting up renovation insurance on a ‘Project House’ that my wife and I have just bought. We’ve never done a substantial renovation on a house before, and their experience was reassuring.

David - Specialist Property Insurance

4.9/5 1420 reviews

Our NIG landlord insurance policy is a Which? Best Buy

We take great pride in being recognised for our dedication to providing the best service and comprehensive, tailored cover for our customer's needs. If you are unsure of the type of cover you need, our expert advisers are available to help over the phone.

Insurance for your Airbnb in detail

You need the right protection to ensure your property is covered. Run your holiday rental business safe in the knowledge you are getting the best cover for your money with our Airbnb insurance.