Public Liability Cover for air b & b

[Marita127]

Hi Everyone,

I have a studio type room with ensuite that is attached to the main house via a hallway which has a door we can lock, it also has its own external entry door.  I am looking at getting insurance to cover as we are hoping to Air B & B it out sometimes. My NRMA insurance that we have been with for 35 years advised me my home & contents policy will become null & void once i commence Air B & B.

I would like to know if any Insurance company includes public liability ? not just the usual damage etc as i am not so much worried about the damage as i live in the property, however i am concerned if someone slips over & hurts themselves, i need to know that i will not be sued. My home is a beautiful new home built in 2023 & I need to know i am covered for this too, just in case.

Thanks in advance.

Marita 

[Mike-And-Jane0]

@Marita127 You say you are not worried about damage but what happens when the freezer catches fire and the house burns down? Or a lightning strike takes out the house? You need to find an insurer whose policy will not be voided by offering Airbnb.

The only bit of Aircover that I might trust is that which covers liability as in many countries it is a proper insurance product.

[Alex]

Hello @Marita127, 

Thank you for dropping your question into the the community center. I'm going to tag some experienced members from your area to see if they might know any insurance companies that could be of interest to you: @Laurelle3  and @Helen744. 

Thank you all beforehand, 🤗

Alex