We protect you from the stuff that might happen when you have paying guests, exchange partners or house sitters to stay.
Definition: When your guest purposefully damages your home
Example: Graffiti, organised ‘open house’ party, vandalism
Definition: When your guest has an unexpected incident that damages your home or stuff
Example: Spilling a glass of wine, knocking a picture off the wall
Definition: When your guest, or someone else, takes your stuff home with them
Example: Burglar Betty, who might be your guest, or who might have snuck in when your guest left a window or front door open by mistake, making off with your cheese fondue set
Definition: When your guest has an accident or suffers an injury in or around your home
Example: A ceiling collapses or they fall down the stairs
Definition: When your guests cause damage to a neighbouring property
Example: Damage to a downstairs flat after the bath taps were accidentally left on
Loss of rent
Excessive use of utilities
Replacement keys and locks
Bug&bear cover (infestation)
Legal expenses
Identity theft
Most platform guarantees do not replace your insurance policy, and at best will only cover damage directly attributable to the guest, this creates those grey areas!
Your existing insurer is likely to suspend or restrict cover, and even if they say it’s OK, this doesn’t mean you have the extra cover needed for the new risks. With GUARDHOG there’s no need to replace your existing insurance and we protect you when accidents happen.
It depends on you, your home and the stay.
Most pay £1-3 per day
As an example, a host put cover in place for their 2-bed flat on Waterloo Street in Brighton this morning for 4 nights for £5.97, or £1.49 per night.
You only pay for the nights guests stay
Putting cover in place for every stay would be a real ‘boar’ so we’ve built some neat tech to do it for you. Sign up to GUARDHOG, choose Autohog, and then we can automatically cover each and every stay.
It’s fuss free with no annual commitments.
Cutting through the swill…
Please read our policy wording before you purchase our cover.
You need to have valid underlying insurance in place, and you should let your existing insurer know you’re home-sharing
Let us know if you need help with annual cover
We replicate your existing policy limits (so there is no drop in cover provided) We have a £250 excess and a £1,000 minimum claim – insurance is there for the big things rather than a broken wine glass
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