Guest Personal Effects Insurance - sometimes referred to as Guest Property Cover - protects guest house owners against claims made by guests for loss, theft or damage to their personal belongings while staying at the premises.
Guests frequently bring valuable items such as phones, laptops, tablets, jewellery, clothing, sports equipment and luggage. When these items are lost, stolen or damaged, guests may hold the accommodation provider responsible - even if the incident was accidental or outside the owner’s direct control.
Insure24 arranges specialist Guest Personal Effects Insurance for UK guest houses, helping protect your business from unexpected compensation claims and disputes with guests.
Guest Personal Effects Insurance covers the guest house’s legal liability for loss or damage to guests’ belongings while they are staying at your property, subject to policy terms, conditions and limits.
Guest Personal Effects Insurance usually includes limits on the amount payable per item, per guest and per claim. Insurers may also require reasonable security measures to be in place.
Is Guest Personal Effects Insurance legally required?
No, it is not compulsory by law, but it is strongly recommended due to the
frequency and cost of guest property claims.
Does this cover guest valuables?
Valuables can be covered, subject to policy limits and security requirements.
Are items covered if left in rooms?
Yes, provided reasonable security is in place and policy conditions are met.
Does it include legal defence costs?
Yes. Legal defence costs are typically included where liability is alleged.
How much does Guest Personal Effects Insurance cost?
Costs depend on guest numbers, room count and risk profile.
Many guest houses can obtain cover at a modest additional premium.
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