Household insurance advice in the UK

[Lyn30]

Hi all UK hosts, my household insurance is up for renewal and I wondered whether anyone can recommend an insurance company who doesn’t demand high excesses for any claim. I probably only let my house for two months of the year.......it’s not a permanent Airbnb letting property and I’m looking for something fair for when it’s just my fault I need to claim! 
many thanks

Lyn x

[Mike-And-Helen0 · Accepted solution]

Can't you search this on comparison sites, they will let you set the excess you're prepared to accept.

Not much help as ours is smallholder insurance.

[Helen3]

Hello @Lyn30 

You need specialist home insurance for short term lets. Standard home insurance won't cover you.

I use Admiral but I think there are about 10 providers offering this.

@Mike-And-Helen0  I don't believe they come up in insurance comparison sites as it is specialist insurance.

if you Google home insurance for short term lets UK then a list will come up @Lyn30 

[Helen350]

Late to this discussion, but today I took out home insurance with 'Home Protect'.

- I went to a comparison website, & Home Protect came out the cheapest, before mentioning Airbnb (tho I had ticked the 'business use' box.) I rang Home Protect, & told them I had 2 lodgers and/or Airbnb - in my own home. As a result the premium went up by £13 - £14, which I thought was more than reasonable! - No accidental damage cover tho'. And I'm allowed up to 5 guests at a time too!

[Paul8326]

Anyone had a problem with getting a household  insurance claim paid when the insurance company (Hastings Direct) found out that we had an airbnb lodge in our garden. 

[Helen3]

If you only have standard home insurance then absolutely a claim would be denied as you should have home insurance for short term lets. @Paul8326 

[Mike-And-Jane0]

@Paul8326 if the claim is nothing to do with the lodge in the garden and said lodge is not covered by the house insurance you have a small hope of convincing Hastings that is irrelevant. We insure our semi-detached house separately to our semi-detached holiday apartments so the two should not affect each other in the event of a claim.