HOMECOVER New

homecover

Home Insurance for Home Sharers

Home-sharing friendly insurance policies for homeowners and renters

The Problem

For private home owners and renters

Hosts were unable to find cover for risk associated with having guests to stay in their own home, regardless of if they were also in the property or not.

For landlords

Landlords renting out holiday homes or buy-to-let properties through home-sharing platforms were unable to find cover for the risks created by short-term letting through these new avenues.

The Solution

HOSTCOVER

The worlds first pay-per-stay insurance solution that works alongside a host's pre-existing buildings and contents insurance to cover the risks associated with having paying guests stay.

HOSTCOVER PRO

A pay-per-stay or monthly insurance policy for landlords that covers the risk associated with having short-let guests staying in a property booked through home-sharing platforms as well as traditionally holiday letting companies.

The Cost

Regardless of which policy criteria you fall in to, the price is the same. You can cover yourself from all the risks associated with having paying guests stay for as little as 78p per day.

What's included

Buildings (structural damage to your home)
Contents (replacing stuff inside your home)
Valuables and personal possessions
Public Liability

Buildings (structural damage to your home)

Buildings (structural damage to your home)

Definition: the cost of repairing damage to the structure of your property

Example: Damaged caused by water and fire

Contents (replacing stuff inside your home)

Contents (replacing stuff inside your home)

Definition: The cost of replacing stuff that lives inside your house

Example: You're burgled,  something's damaged in a fire - even replacing the food in your freezer if it breaks

Valuables and personal possessions

Valuables and personal possessions

Definition: The cost of replacing the stuff you carry around on a daily basis

Example: Your laptop gets stolen, you lose a piece of jewellery 

Public Liability

Public Liability

Definition: The legal costs of helping you if someone has an accident or suffers an injury and you're to blame

Example: A passerby gets hit by a falling roof tile

With a few bells and whistles

Home_Emergency_Cover_Icon
Home emergency cover

In case you or your guests need help

Legal_Cover_Icon
Legal cover

Best to avoid sticky situations but our legal help will try and get you out of them

What type of hog are you?

Depending on your situation you’ll need insurance to cover your:

Outright_Home_Owner

Home Owner

You own the property outright

  • Buildings
  • Contents
  • Stuff
  • Liability

From £25 per Month

Mortgage_Home_Owner

Home Owner

You don’t own the property outright

  • Contents
  • Stuff
  • Liability

From £15 per Month

Landlord_Home_Owner

Landlord

You rent out the property full-time

  • Buildings
  • Contents
  • Liability

From £15 per Month

Renter

Renter

You rent your home

  • Contents
  • Stuff
  • Liability

From £5 per Month

How does it work

Monthly policies, no annual commitments

 

  1. Register and tell us about you and your home.
  2. We’ll tell you what the monthly cost will be.
  3. Sign up to our monthly direct debit and that’s it – you’re covered.
mockup screen

Helping you find the right cover for you…

Please read our policy wording before you purchase our cover.
We replicate you’re existing policy limits (so there is no drop in cover provided), and if you need help putting normal cover in place give us a call.
If we can’t automatically cover you then we’ll do everything we can to help’

 

Helping your share

Solving the sharing economy insurance problem

80%

OF HOSTS RENT THEIR REAL HOMES

29%

OF HOSTS HAVE NEVER BEEN GUESTS

£7500

AVERAGE TAX FREE EARNINGS P/HOST P/YEAR

88%

OF HOSTS FEAR DAMAGE TO THEIR PROPERTY

What our customers say