Host cover

What is Host cover?

If you're one of the millions of people worldwide renting out your property on home sharing sites such as Airbnb, Wimdu, Onefinestay, and Homestay, you'll need specialist host insurance cover in place.

Not all home insurance policies offer the right cover for hosting paying guests in your home, and, for some, it could even invalidate your normal home insurance.

Though the number of people advertising their homes on these sites is on the rise, there's still some confusion among hosts over how offering your home for paid, short-term accommodation affects your insurance.

And we know shopping around for different types of insurance is a pain, which is why we’ve created the simple host cover bolt-on for homeowners to add to their new home insurance policies below.

What you'll get with Admiral Host cover

Designed for homeowners who make a bit of extra cash by renting out an empty room or their whole home on sites like Airbnb, host cover offers you the extra cover needed for when a stranger is staying in your home.

What you get with Admiral’s host cover:

1. Need to make a claim? Give us a call and we'll sort out the rest - you won't have to try and resolve the issue directly with your guests.
2. Cover for paying guests in your home for a maximum of 90 days during your policy and no need to tell us every time you rent out your home.
3. You can bolt our cover onto any of our tiers of home insurance – Admiral, Gold and Platinum.
4. You’ll get up to £5,000 for your collective listed high-risk items if they’re stolen, vandalised, broken in a malicious act or suffer accidental damage when not locked in a safe or removed from your home.

With Admiral, the number of paying guests covered to stay in your home at one time can’t be more than double the number of bedrooms. So, for example, you can accept four paying guests in a two-bedroom property or a couple of guests in a one-bed.

The host cover bolt-on can be added to any of our home insurance policies, with buildings, contents, accidental damage and home emergency cover offered depending on the level you need.

Here are three things you may want covered:

Buildings and contents insurance

If you're planning on listing your home on a home sharing site, you need to make sure your buildings and contents are covered, with Admiral Home Insurance you can choose cover:

• Combined buildings and contents
• Just buildings
• Just contents

Accidental Damage cover

Accidents happen, we all know that. Not having the right cover in place if something you love gets damaged would be very annoying and could leave you out of pocket which, is why you may want to consider our Accidental Damage Cover.

It comes as standard on our Platinum policies or can be added as an optional extra on our Admiral and Gold levels.

Home Emergency cover

Home Emergency cover offers up to £500 for a tradesperson to temporarily repair emergency issues with things like your:

• boiler and central heating
• plumbing and drainage
• windows, doors and locks
• electrics

Plus, you’ll get unlimited callouts.

Home Emergency cover comes as standard with our Gold cover or can be added to the Admiral tier. You need to report a claim within 4 days of finding the issue.

Make sure you check the limits and exclusions in your policy book.

Home Emergency Extra cover

With this cover, you’ll get up to £1,000 for a tradesperson to temporarily repair all issues included in Home Emergency cover - plus roofing and pests.

We’ll give you £250 towards the cost of replacing your boiler if it costs more to repair than replace. This is known as 'beyond economic repair'. You’ll also get unlimited callouts.

Home Emergency Extra cover comes as standard with our Platinum cover or can be added to the Admiral or Gold tier. You have to make your claim within 4 days of discovering the issue.

If you're already a customer, check MyAccount or your policy book to see your cover limits.

Don’t forget, limits and exclusions always apply here!