Irish Airbnb Home Insurance
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Why Choose Quote Devil Airbnb Home Insurance
Under standard home insurance policies Airbnb activity or paying guests are not covered, meaning that your home cover may not indemnify you if you have paying guests in your home via Airbnb. If there was a personal injury, such as someone tripping and falling down the stairs or slipping in the bath, on your property this can leave you vulnerable. Malicious damage by a guest paying to stay in your property is likely not to be indemnified.
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What is Airbnb House Insurance?
Airbnb home insurance is a specialised type of insurance designed to protect property owners who rent out their homes or spare rooms through Airbnb or similar short-term rental platforms. It provides coverage for various risks associated with hosting guests, such as property damage, liability claims, and theft.
Traditional homeowners insurance often doesn’t cover short-term rentals, so Airbnb host insurance policies or endorsements are typically necessary to ensure adequate protection. These policies help hosts manage potential financial risks and provide peace of mind while renting out their properties.
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What is Covered in our Airbnb Home Insurance?
If there is Any Damage or Loss to your buildings throughout the period of insurance produced by the following:
- Smoke, Blasts/explosions, Fires, Earthquakes, and Lightning.
- Any form of Snow, Storm, or Flooding.
- Where your insured building is situated, if there is a landslip or subsidence on the site.
- Any disturbance on your premises which would include Riots, public commotion, vandalism or strikes and labour.
- Any freezing of your water or escape of water, a heating installation or in a domestic appliance.
- Anything that may be dropped from an airplane or any other flying objects. Burglary or attempted burglary.
- Burglary or attempted burglary.
- Any oil leakage from heating installations which are fixed.
- Any fallen branches or trees, lamp poles, or telephone poles.
- Any loss or damage to your premises as an effect of any radio or television collapsing aerials, satellite dishes, masts and fittings.
- If you were struck by any animal, or knocked down by any motion vehicle.
Our Insurers
We work with reputable & trusted Airbnb insurance providers so that you get the insurance policy that is right for you.
Each provider is regulated by the Central Bank of Ireland to give you peace of mind while we use them to find you the best deals.
Frequently Asked Questions
Do I need public liability insurance for Airbnb?
Yes, you need public liability insurance when operating an Airbnb in Ireland. Your standard home insurance policy typically excludes commercial activities, and hosting guests for payment is considered a commercial venture. Public liability insurance protects you if a guest is injured on your property or if you accidentally cause damage to neighbouring properties.
Do I need special insurance for Airbnb?
Yes, standard home insurance typically doesn't cover short-term lettings, so you'll need specialised Airbnb or short-term rental insurance to protect against guest-related damages and liability claims.
How much does Airbnb insurance cost?
Airbnb insurance costs will vary depending on your property value, location, and coverage level etc.
Does Airbnb invalidate your house insurance in Ireland?
Most standard home insurance policies in Ireland may exclude or restrict cover when you let your property short-term, so failing to inform your insurer about Airbnb activity could void your policy.