UK based airbnb hosts hosting in their own homes - house insurance

[Becks5]

Hi - I have been sent an outrageously high renewal quote by Aviva. I am just wondering who other UK (ideally London) based hosts who are hosting a room in their house use for house - buildings and contents - insurance as so many of the major insurers won't insure airbnb hosts in the UK hosting in their own homes. Many thanks Rebecca

[Mike-And-Jane0]

@Becks5 Have you tried JL Morris insurance brokers? We used them happily for years and whilst they are expensive the cover is there. I suspect your high prices are more indicative of what insurers are charging these days.

[Elisa]

Hi @Becks5 😊, 

Welcome to the community, and thank you for asking this question here!

Have you found a solution? Our Host shared great advice with you.

Did you get a chance to review it?

It would also be a good idea to ask for recommendations from local Hosts near you through

Local Host Club.

I’ve also mentioned hosts from London, as they may better know how to help you: @Livia120 , @Amelia468 , @Ava-And-Team0 and @Bartłomiej9.

Warm regards 🌻

[Livia120]

Hi @Becks5 , 

I have spoken with some friends and there is an insurance company : Pikl.com who offer specialist insurance for hosts (so worth getting a quote and checking their full details) and perhaps ask Aviva if you can increase your excess, and activate a no claims bonus and see if that lower your premiums. also sometimes, can be a good to explain the renewal quote is comparatively high as often there’s some flex from the insurance companies.  Good luck! 
Livia ✨💖

[Helen3]

Commercial insurance is always higher than domestic insurance because there is a higher risk . 

But you can claim the costs as an expense against your taxes if you're not using the rent a room scheme