What type of insurance should I have for my STR?

[Lucy578]

I was informed by my insurance company that I wasn’t allowed to list my room as it would void my complete home insurance. The company recommended another company that covers Airbnb who were going to charge an additional £500 on top of my existing premium , given I rent a room out for approximately £50 and mainly only weekends I felt it was a bit high. Can anyone recommend and insurance company I could try for a quote please. 
kind regards Lucy

[Paul1255]

@Lucy578  A few of my clients use Guardhog, on a pay-as-you-go basis when they have guests, they offer cover on top of your usual policy- might be an option for you.

https://guardhog.com/insurance-for-short-let-hosts/

[Lucy578]

Thanks for taking the time to reply, I’ve not heard of Guardhog  so will make some enquiries.

kind Regards Lucy 

[Helen3 · Accepted solution]

Hi @Lucy578 

Yes you are correct you can't use domestic home insurance when running an STR business.

And business insurance will always be higher as there is more risk involved.

Admiral is one insurance company you can use in the UK  for STRs, but I would speak to a broker and get quotes based on your circumstances @Lucy578 

[Lucy578]

Thanks Helen , I will contact Admiral tomorrow . I was hoping I could just pay an additional cost for the Airbnb aspect rather than getting complete new home insurance,  as we’ve found it’s also increased our home buildings and contents by an additional £200 . Thanks for taking the time to reply to my question. 
kind regards Lucy

[Hannah838]

Lucy

iam having a real problem with this too not due to start hosting until June but need to start a new policy before the 15th. How did you resolve your situation? 

Hannah