Bed and breakfasts are private homes, even though they provide lodging to paying guests. They offer homespun experiences that are far removed from the services provided by the average hotel. As a result, B&B owners have to insure not only themselves and their own property, but also insure their operation against the liabilities of having paying guests on the property. Depending on the unique features of the property and the services provided, the individual B&B’s insurance portfolio will be quite unique. Benefits are designed to protect the owner in the face of unexpected, expensive challenges.