Does AirCover replace my home insurance?

No. AirCover is goodwill protection with strict limits and exclusions; you still need a UK short-let policy.

Letting your home on Airbnb?

Airbnb and Short-Let Home Insurance (UK)

Standard home insurance excludes short lets. See what specialist short-let policies cover and what Airbnb's host guarantee misses.

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The short answer

Standard UK home insurance excludes paying guests. Letting on Airbnb without specialist short-let cover voids the policy for any guest-related loss. Airbnb's AirCover offers limited host protection but is not a substitute for insurance — it excludes pre-existing damage, cash, securities, and most consequential losses.

Frequently asked

Does AirCover replace my home insurance?: No. AirCover is goodwill protection with strict limits and exclusions; you still need a UK short-let policy.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription