UK (England) Building & Contents Insurance

[Julie5453]

Sorry to bring this subject up again. It’s December 2024.  I’m having a nightmare buying my own Buildings & Contents insurance now I have my 2 spare bedrooms on Airbnb. I live here permanently in the house. Where I CAN get a quote they restrict the number of nights to 28 or 90 (Admiral) PER YEAR! Has anyone found a reasonably priced insurer ??

[Mike-And-Jane0]

@Julie5453 JL Morris insurance brokers claim to specialise in Airbnb so it may be worth giving them a try. I don't know if they will meet your definition of reasonably priced but I suspect they are GIVEN the much higher risk profile of Airbnbs.

Do let us know how you get on

[Julie5453]

Thank you.  I did get a quote which was more than double my non-host price.  The exclusions and excesses were extreme to say the least.  Sadly, I won't be going through them.  The quote was also underwritten by at least three different companies! Thanks again.

[Emilie]

Hi @Julie5453, 

I'm sorry to hear you're having some trouble finding the right insurance! 

Mike has already suggested one that might work out for you, but I wanted to mention a few other hosts in the UK in case they have more ideas: @Chamitha0 @Beverley120 @Helen3 @Sid1165 @Tim4418, what do you think?

Thanks everyone 🙂

Emilie  

[Pete28]

Aside from loss, the true nightmare is liability - guest falls downstairs etc. Airbnb May or may not provide coverage, but the guest will pursue both you and Airbnb.

[Julie5453]

Believe me Pete, I do want to have cover! My worry is a guest may burn my house down accidentally! I own my home outright & live in it, so I would be left with nothing. If they fell down the stairs that would be their own fault. We’re not as litigious here in UK 👍