Guest house insurance

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  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare tailored insurance for guest houses from trusted brands
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Guest house insurance – why is it important?

Looking after guests and maintaining your property are just two of the specific risks you face as a guest house owner. If a claim came up, would you have the funds to handle it? By combining covers, you can protect your property against the specific challenges you face.

We provide insurance for both licensed and unlicensed guest houses. Just select the option that is relevant to you.

  • peace of mind, letting you focus on your property, not the what-ifs
  • UK-based claims team, award-winning and available 24/7
  • trusted by over 315,000 landlords for flexible, tailored cover


What does guest house insurance cover?

Buildings and contents insurance are usually the first covers guest house owners include when creating a policy. This protects your property in case of damage or it’s destroyed due to an incident like escape of water or a storm. Then, you can add covers that protect against other risks.


How much does guest house insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Main Building

£100

£2,500

Fixtures & fittings

£100

£2,500

Landlord contents

£100

£2,500

Accidental damage

£100

£500

Landlord liability

No excess

£500


How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

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Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

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Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do insurance claims work for guest house?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023


Chosen by nearly 1 million small businesses and landlords


Guest house insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

You aren’t legally required to take out a specific landlord policy, but remember – a conventional home insurance policy won’t cover you for rental activities, and a mortgage lender will usually demand you have specific landlord cover in place, before you let your property.

Popular covers include property owners’ liability and contents insurance, for accidents on your property, plus buildings cover to protect the property itself.

As we’ve outlined above, there’s currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won’t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property.

If you employ people, you’re required by law to have employers’ liability insurance.

If you’ve provided furniture and other contents for your tenants – maybe even a TV or art for the walls – your property is known as ‘furnished’, and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your landlord insurance quote.

We provide cover for a range of property types, including:

  • terraced and end terrace houses
  • semi-detached houses
  • detached houses
  • bungalows
  • maisonettes
  • individual flats in purpose-built blocks or buildings
  • individual flats in converted buildings or houses
  • entire purpose-built buildings with multiple flats
  • entire converted buildings or houses with multiple flats

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.


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