Average Cost of Airbnb Insurance
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The cost of a specialist home insurance policy for a property rented out via Airbnb in 2026 starts from around £265, including building and contents cover for a standard property with a £150,000 rebuild value. Prices can vary dramatically based on a number of factors, such as the total rebuild value, the type of property, security measures, and your location.
Properties that are more expensive, older and with more bedrooms are, naturally, more expensive to insure, but when you’re letting out your property to a number of different guests per year it’s important to make sure you’re properly covered. If you have further questions about protecting your home, you should also check out our guides to landlord insurance and airbnb insurance.
Because regular home insurance doesn't cover Airbnb properties, you'll need special holiday let property insurance. But it shouldn't cost much more than regular home insurance. QuoteZone can help connect you with insurers and brokers specialising in insuring Airbnb’s—just fill out a quote form and they’ll take care of the rest.
How much does Airbnb landlord insurance cost?
Based on a rebuild value of £323,500 (roughly the average cost to rebuild a standard UK house in 2026), you can expect to pay around £350 annually for your Airbnb landlord insurance. This is roughly 30% to 40% more expensive than the baseline cost for a standard non-Airbnb rental property with the same £323,500 rebuild cost.
This price premium shouldn’t come as a surprise. Having a high turnover of different guests staying at your home is always going to be a riskier proposition for insurers than having stable, long-term occupants for the entire year. Short-term guests are statistically more likely to cause accidental damage, leave appliances on, or improperly secure the property.
It’s also possible that the increase in price isn’t as much as you were expecting—Airbnb’s built-in "AirCover for Hosts" is designed to cover you if a guest causes damage within your home during a stay. Because many of the most common issues a homeowner might face should theoretically go to Airbnb first, your private insurance acts as the ultimate safety net (although reports of Airbnb’s willingness to swiftly pay out to hosts online remain mixed).
We’ve run some numbers to find starting costs for sample Airbnb properties based on the £323,500 UK average rebuild cost. You may find quotes that are higher or lower for your specific property, but these figures serve as a rough guide indicating how much people typically pay for Airbnb insurance today.
| Landlord Airbnb Insurance Cost Calculations | Sample Annual Premium |
|---|---|
| Individual flat in purpose-built block | £320 |
| Terraced/End terrace house | £335 |
| Individual flat in converted building | £345 |
| Semi-detached house | £360 |
| Detached house | £390 |
| Average | £350 |
How does rebuild cost impact Airbnb landlord insurance?
One of the most important factors impacting the cost of your Airbnb landlord insurance is the rebuild cost of the property. The reasoning behind this is fairly simple—more expensive properties pose a much larger financial risk to an insurance company if the building is destroyed by a fire or severe flood and needs to be rebuilt from scratch.
We gathered quotes for a standard 3-bedroom terraced property to show exactly how the rebuild cost impacts the amount you’ll pay annually.
| Rebuild Cost for a 3-bedroom terraced property | Sample Annual Premium |
|---|---|
| £150,000 | £265 |
| £200,000 | £275 |
| £323,500 (UK Average) | £345 |
| £350,000 | £365 |
| £500,000 | £460 |
| £750,000 | £550 |
| £1,000,000 | £635 |
What Impacts the Cost of Airbnb Landlord Insurance?
When pricing your policy, your insurer will ask you a wide range of questions to allow them to accurately assess the risk profile of your property. While factors like the rebuild value and security measures naturally play a huge part in determining your premium, there are a number of other variables at play that it’s worth being aware of:
- The total rebuild cost
- The year the property was built
- Your expected annual occupancy rate
- Materials used to build the property (e.g., standard brick vs flat timber roofing)
- Type of occupancy (e.g., renting a single room vs renting the entire house)
- Type of building (e.g., purpose-built, listed property, thatched roof)
- Location (postcode crime and flood risk rates)
- Whether the property will be left unoccupied for long periods between bookings
How to save money on Airbnb insurance
As with traditional landlord insurance, there are a number of ways to keep your premiums down. The single best way is always to try and gather as many quotes as possible. A comparison engine like QuoteZone is an excellent way to obtain quotes from as many specialist brokers as possible without the hassle of re-entering your details every time.
- Pay annually instead of monthly: Avoiding monthly direct debits saves you from potentially expensive APR interest charges (often 10% to 15%).
- Hunt for discounts: Look for time-specific offers or savings from purchasing multiple policies (like portfolio insurance) from one source.
- Avoid optional extras: While they can be useful, opting out of non-essential add-ons like legal expenses cover will lower your baseline costs.
- Pay a higher excess: While it’ll cost you more out-of-pocket if you need to make a claim, volunteering a higher excess will immediately reduce the annual cost of your policy.
- Increase security: Installing better locks, a smart doorbell, and anti-theft features like NACOSS-approved burglar alarms will decrease the perceived risk levels of your property.
Optional Extras
There are a few additional coverages available to add to your Airbnb landlord cover. Some insurers will offer these as standard within a comprehensive policy, some will charge you additionally, and some may not offer the cover at all. Have a think about what you genuinely do and don’t need before finalising your provider.
- Legal expenses
- Home emergency cover (e.g., for burst pipes or boiler breakdowns)
- Lost key replacements
- Public Liability (crucial if a guest is injured on your property)
We've also got a guide to the average cost of non-Airbnb landlord insurance costs which might provide a useful comparison to see the price difference caused by hosting with Airbnb compared to standard long-term tenants.
FAQ’s
Home emergency cover for Airbnb landlords usually starts from around £6 to £8 per month (roughly £75 to £95 annually). It provides rapid 24/7 callout assistance for things like vermin infestations, roof storm damage, burst pipes, and sudden issues with the power supply.
All providers are different—some may charge extra to cover your central heating/boiler, or to cover any alternative hotel accommodation costs you accrue if the property becomes temporarily uninhabitable.
Legal expenses cover for Airbnb landlords starts from around £4 to £5 per month (£50-£60 annually). Every policy is different, but many will provide access to 24/7 legal telephone advice lines and cover your legal costs in the event you need to defend yourself in court or pursue a guest for damages.
Keep in mind that Airbnb’s "AirCover" protection scheme should cover you for basic property damage without needing to go to court, but private legal cover is vital for disputes that fall outside of Airbnb's terms of service.