Irish Independent: Your Questions – Home insurance


Q: In January I submitted an “escape of oil” claim to my insurer, which has been declined on the basis that my tenant was letting two rooms in the house through Airbnb. I had no knowledge that this was going on. How did the insurer know?

According to Deirdre McCarthy of, Airbnb activity is treated as a commercial interest from an insurance and Revenue perspective. This means the use of the property stands outside the terms and conditions of a standard home insurance contract.