Protecting Guest House Buildings & Property

Buildings and property insurance is one of the most critical forms of cover for guest house owners. Your building is not only a valuable asset, but the foundation of your income-generating business. Without adequate protection, damage caused by fire, flood, storm or structural failure could prevent you from trading for months or longer.

Guest houses often operate from older or character properties, converted homes or listed buildings, which can be more expensive to repair or reinstate than standard residential properties. Specialist guest house buildings insurance ensures these risks are properly covered.

Insure24 arranges buildings and property insurance specifically for UK guest houses, tailored to the construction, age, use and risk profile of hospitality premises.

What Is Classed as a Guest House Building?

Buildings insurance covers the physical structure of the guest house and permanently fixed elements. This typically includes:

• Main guest house building and extensions
• Roofs, walls, floors and foundations
• Bathrooms, fitted kitchens and fixed appliances
• Heating, plumbing and electrical systems
• Outbuildings, garages and storage areas
• Boundary walls, gates and permanent fencing

Accurate rebuild valuations are essential to ensure the building is not underinsured.

Special Considerations for Guest House Properties

Guest houses present different risks to standard residential or buy-to-let properties. Insurers will consider:

• Guest occupancy and public access
• Age and construction of the building
• Fire protection and alarm systems
• Commercial kitchens or food preparation areas
• Listed building or conservation status
• Location and flood exposure

Using a standard property policy can leave serious gaps in cover for guest house owners.

Buildings Insurance vs Contents Insurance

Buildings insurance protects the structure of the property, while contents insurance covers furniture, furnishings, appliances and guest amenities. Most guest houses require both to ensure full protection.

Buildings insurance can be arranged as part of a combined guest house insurance policy alongside contents, liability and business interruption cover.

How Much Does Guest House Buildings Insurance Cost?

The cost of buildings insurance depends on factors such as:

• Rebuild value of the property
• Construction type and age
• Fire, flood and security measures
• Claims history
• Location and environmental risk

Insure24 compares specialist insurers to secure competitive premiums while ensuring appropriate rebuild values and cover limits are in place.