Yes, you should make your home insurer aware that you are using platforms like Airbnb or Booking.com. Our HOSTCOVER policy is built to mirror the building and contents limits of an underlying insurance policy, so if you make a claim for guest damages, and your underlying insurer voids your policy because they don't take on risks that involve guests, then our policy also becomes void.
If the property you're going to short term let is a buy-to-let or holiday home, we can offer you HOSTCOVER that doesn't require you to have underlying home insurance. Our Hero Hogs can help you with this!
No, you can't. because all our hosts are so different, we find the most efficient way to offer our best premiums is on a pay-by-stay basis. This allows the various bookings lengths and various costs per night to be taken into account and ensures that you are only paying for the insurance when you need it.
Our cover works on a stay-by-stay basis so it is important to make sure that cover is in place for your property before any stay begins. To confirm that cover is in place we will always email you a schedule of cover on the day that the stay begins (so if you think cover should be in place and haven’t received one then it is a good idea to contact our Hero Hogs).
In order to make it easy for you to put cover in place we have created our unique AUTOHOG system, which you can link to your property’s calendar and will automatically put cover in place every time you accept a booking. If you upload your property calendar to our system and sign up to AUTOHOG, the cover will be put in place automatically, every time you have a stay booked.
Yes, currently we can only offer HOMECOVER to those within the UK.
While HOMECOVER is sharing friendly, it does not include cover for your guests. To ensure your guests are covered, you'll need to purchase HOSTCOVER.
HOMECOVER protects your buildings and your contents while allowing you to share your home without any increase in premiums or extra endorsements. What we quote you is what you pay regardless of if there is a guest or not.
Whilst HOMECOVER is technically an annual insurance contract, there are no fees for cancelling the policy mid-year. We will send you notification of your renewal terms in good time before each anniversary of the policy.
There's just a £50 excess on DEPOSITCOVER, and this doesn't come out of your £1,000 deposit if you need to make a claim!
It isn’t a necessity, but we do recommend it if you want to ensure you are covered for all insurable eventualities, no matter the value.
No underlying insurance is required to claim on DEPOSITCOVER.
Contact GUARDHOG as soon as possible, by phone or email, our claims team will support and guide you through the process of making a claim – their aim is to make things as smooth and as easy as possible for you.
Do not carry out any non-emergency work or dispose of any damaged items.
Take steps necessary to reduce the risk of further damage or loss.
Do not admit any liability or responsibility in connection with the damage or loss.
Any pay-out you may receive from Airbnb would be deducted from any payment you may receive from your insurance policy.
You may be covered for loss of earnings for bookings accepted prior to the discovery of the loss.