Airbnb and Short Let Insurance
Specialist protection for hosts, landlords and property investors
If you rent out a property on Airbnb, Booking.com, Vrbo or as a serviced apartment, standard home or landlord insurance is usually not enough – and can even be invalidated once paying guests stay in your property.
At Miller & Partner, we arrange specialist Airbnb & Short Let Insurance for UK property owners, so you’re properly covered for:
Guest accidents and public liability claims
Damage caused by guests to buildings and contents
Loss of rental income if the property can’t be let after an insured event
Who is this cover for?
Our Airbnb & Short Let Insurance is ideal for:
Homeowners letting out a spare room or annex on Airbnb
Owners of holiday cottages, city apartments or coastal homes
Landlords running serviced accommodation or SA portfolios
Limited companies operating short-term rental businesses.
If you earn money from short stays, this is business activity – and it needs business-grade insurance.
Why you shouldn’t rely on Airbnb AirCover alone
Platforms like Airbnb offer AirCover and other host protection schemes, but they’re not regulated insurance policies and come with important exclusions and limitations.
Common gaps include:
No cover for many types of property damage or all guest-related incidents
Limited or no loss of income cover
Restrictions around common areas in blocks of flats
No access to the Financial Ombudsman Service if you’re unhappy with a decision
Our job is to help fill those gaps with proper insurance designed for short-term lets.
Key benefits of using Miller & Partner
Specialist UK commercial broker – we understand short-let and serviced accommodation risks
Access to multiple insurers and schemes for Airbnb, holiday lets and serviced apartments
We take the time to understand your:
Property type(s)
Platforms used (Airbnb, Booking.com, Vrbo, direct bookings, etc.)
Annual rental income and occupancy patterns
Whether you live in the property, let it fully, or run a portfolio
Human support when it matters – help with adjustments, renewals and claims support
Ability to look at mixed portfolios (ASTs, HMOs, short lets and commercial units) under one broker
What does Airbnb & Short Let Insurance typically cover?
Every policy is tailored, but we’ll usually look to include:
Core property cover:
Buildings insurance – fire, flood, storm, escape of water and other insured perils
Contents insurance – furniture, appliances and fixtures you provide for guests
Cover for unoccupied periods between bookings (often more generous than standard home insurance)
Liability & guest cover
Public liability insurance – protection if a guest or visitor is injured or their belongings are damaged and they pursue a claim
Employers’ liability where required – for cleaners, maintenance staff or key-holders
Option to insure guest-caused accidental or malicious damage, depending on insurer appetite
Income & business protection
Loss of rental income if your property can’t be let after an insured event (e.g. fire, flood, major escape of water)
Alternative accommodation costs where included – if guests need rehousing following an insured incident.
Typical risks we can help you protect against
A guest trips on a loose step and suffers a serious injury, then brings a compensation claim
A party booking leaves malicious damage to furniture, doors and flooring
A burst pipe while the property is empty causes major water damage and you lose months of bookings
A fire in a neighbouring property leads to denial of access, cancelled stays and lost income
A cleaner is injured while working at the property and you face an employers’ liability claim.
With the right insurance in place, these kinds of events are far less likely to become business-ending problems.
What we’ll ask you for
To get started quickly, we’ll usually need:
Property address and construction details.
How you let it (whole property, rooms only, live-in host, serviced accommodation, etc.)
Platforms used – Airbnb, Booking.com, Vrbo, direct bookings, managing agents
Estimated annual rental income and typical occupancy
Any claims in the last 3–5 years
From there, we can approach suitable insurers and negotiate terms on your behalf.
Frequently Asked Questions
Airbnb and short let insurance is designed for properties rented on a short-term basis. It provides cover for buildings, contents, liability, and loss of income, reflecting the higher risks associated with frequent guest turnover.
Yes, standard home or landlord insurance often excludes short-term letting. Specialist Airbnb insurance ensures you are covered for guest-related risks and property damage.
Yes, policies can include cover for accidental or malicious damage caused by guests. This is a key feature due to the nature of short-term lets.
Yes, public liability insurance is essential and usually included. It protects you if a guest is injured or their property is damaged during their stay.
Yes, loss of rent or business interruption cover can protect your income if the property becomes uninhabitable due to insured damage.
Costs vary based on property value, location, and rental frequency. Premiums are typically higher than standard landlord insurance due to increased risk exposure.
Yes, landlords with multiple short let properties can often arrange portfolio policies, simplifying management and potentially reducing overall costs.
Notify your insurer immediately and provide full details of the incident. The insurer will investigate and, if covered, arrange repairs, compensation, or support.
Check out our related blog on this topic
Specialist in Insurance for Airbnb in 2026
Real World Example
An Airbnb and short-let owner approached Miller & Partner Limited after guests caused extensive damage to a high-end property, including furnishings and fixtures, leaving it unfit for immediate re-letting. With lost rental income mounting, we quickly engaged insurers under their specialist short-let policy and coordinated loss adjusters to assess both damage and business interruption. By managing the claim efficiently, we secured cover for reinstatement works and loss of rent. The property was restored swiftly, minimising financial impact and allowing bookings to resume without long-term disruption.
Our Expertise in this Field
At Miller & Partner Limited, we specialise in arranging tailored insurance for Airbnb and short let properties operating in a dynamic rental market. We understand the unique risks involved, from frequent guest turnover and accidental damage to liability and loss of rental income. Our expertise ensures comprehensive protection is in place, including specialist cover designed for short-term letting exposures. With a flexible, advisory approach, we provide robust insurance that keeps your property and income protected year-round.
Contact us now for a chat!
John sorted me out for the insurance I needed for my company and provided an excellent service. I can highly recommend Miller & Partner and will be using them again for all my commercial insurance requirements.
I can recommend Miller and Partner. They were prompt, efficient and responsive to my needs.
Very grateful for John’s assistance in finding a suitable policy for our needs, and being helpful and prompt in his advice. Highly recommended!
Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
Email: [email protected]
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