As renting your home out through Airbnb has become so popular, many people assume it’s entirely safe, and that someone – Airbnb or home insurance at least – will cover any damage if things go wrong.

Airbnb does offer cover for up to £650,000 worth of damages, but it makes it clear that this isn’t an insurance policy, and people should also get cover themselves – as long as you tell your insurer you are renting out the property, and will agree to cover you, which will tend to come at a higher price.

Just because ‘everyone is doing it’ and ‘nobody else has run into difficulties’, it doesn’t mean you can just cross your fingers and hope it won’t happen to you.

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