Guide to Pikl host insurance

In this guide you’ll find out about:


About host insurance

Currently, very few insurance providers offer cover for users of the sharing economy. Recognising a gap in the market, Pikl created specialist policies that allow the people renting out their homes or rooms via sharing platforms like Airbnb – known as hosts – to add cover to their existing home or landlord insurance at short notice, for as little or as much time as is required and at low cost.

This means that if an incident occurs while guests are staying, you can claim for it. Such an incident might include:

  • theft
  • accidental or malicious damage
  • lost or stolen keys
  • injury to guests while in your property
  • property damage from fire, explosion or an escape of water (e.g. leaving the taps on or a burst pipe caused by a guest)

Who it’s for

Our host insurance is designed for people who are:

  • renting out their entire home
  • renting out a room within their home

Our host insurance is available for homeowners, plus we have just launched products for landlords and tenants wishing to let out their properties on a short-term basis too.

Whether it’s your first foray into hosting or you’re a seasoned Airbnb user, we can offer cover that suits your needs: you can either pay on a per-day basis or select a package that insures you for:

  • up to 35 days in a year
  • up to 90 days in a year
  • a full year (90 days or more)

Host insurance – house

If you are renting out your entire home on a sharing platform, here’s what our insurance covers you for:

Buildings Cover

Maximum sum insured of £800,000

Maximum of £80,000 toward accidental or malicious damage of buildings items by a Guest

Maximum of £2,000 towards theft of buildings items by a Guest

Replacement locks & keys up to a maximum of £1,000

Alternative accommodation up to a maximum of £20,000

Contents Cover

Maximum sum insured of £75,000 to cover your belongings

Maximum of £40,000 toward accidental or malicious damage of your belongings by a Guest

Maximum of £20,000 towards theft of your belongings by a Guest

Legal Liability

£2m of Public Liability Insurance to cover injury to Guests

Legal Expenses

£50,000 of legal expenses cover to cover the cost of defending or pursuing legal claims made again you in connection with your Hosting

*If you need clarification on the difference between buildings and contents, an easy way to think about it is if you turned your home upside down, everything that fell out would be your contents and everything that didn’t is your buildings!

Host insurance – room

If you’re renting out a room within your home, you may wish to opt for our Private Room Host cover:

Buildings Cover

Maximum sum insured of £400,000

Maximum of £20,000 toward accidental or malicious damage of buildings items by a Guest

Maximum of £5,000 towards theft of buildings items by a Guest

Alternative accommodation up to a maximum of £5,600

Contents Cover

Maximum sum insured of £50,000 to cover your belongings

Maximum of £5,000 toward accidental or malicious damage of your belongings by a Guest

Maximum of £5,000 towards theft of your belongings by a Guest

Legal Liability

£2m of Public Liability Insurance to cover injury to Guests

Legal Expenses

£50,000 of legal expenses cover to cover the cost of defending or pursuing legal claims made again you in connection with your Hosting

*If your property exceeds a rebuild cost of £400,000 or if you want more cover to provide protection for replacement locks you may wish to choose our house host cover.

What you need

Before purchasing any of Pikl’s host insurance products, you need to check whether you’re eligible. Our policy eligibility criteria include the following assumptions:

  • You are a UK resident
  • You are a homeowner
  • You have existing home insurance and have informed the provider that you are letting your property/room on a short-term basis
  • The property is residential and in a good state of repair

You can read our policy eligibility assumptions in full when getting a quote on our website. 

If you do not meet our eligibility criteria it’s possible we might still be able to cover you by referring you to our underwriter; however, in such cases it’s likely the price of the cover will vary.

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