UK Holiday Let Insurance
- Specialist cover for properties let to holiday guests for short stays
- Cover for properties left unoccupied for 60 consecutive days or more between bookings
- Choose from buildings, contents or combined home insurance
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UK Holiday Let Insurance
Specialist Home Insurance for UK Holiday Lets
Holiday homes that are let to paying guests face different risks from homes that are occupied all year round. Unlike a main home, it may be occupied by different guests throughout the year and left unoccupied between bookings. Because of this, standard home insurance may not always provide cover for holiday lets.
Our specialist home insurance for holiday lets is designed to protect your property, both inside and out. It includes cover while your holiday let is occupied by guests for short stays and when it is left unoccupied between bookings.
When a house is left empty, it is more vulnerable to damage from theft, vandalism, escape of water, and storms. Our house insurance for holiday lets can help protect your property against unexpected damage, giving you added peace of mind.
Ready to find out what cover is available? Request a holiday let insurance quote today. Simply complete our short form to get started.
Request a Holiday Let Insurance Quote
Or speak to an InsuraHome holiday let insurance specialist by calling +44 (0) 1483 806 815
Why UK Holiday Let Insurance Matters
Many standard home insurance policies place restrictions on how long a property can be left unoccupied. This is typically between 30 to 60 consecutive days. For holiday lets in the UK, it's common for holiday lets to be left unoccupied for longer than these limits.
When a holiday let is left unoccupied, it means a higher risk of problems not discovered straight away. For example, escape of water from a burst pipe, and damage from attempted theft. The longer these issues go unnoticed, the more serious the damage and repair costs can become.
That's why specialist holiday let home insurance is worth considering. It helps protect your holiday let against unexpected incidents and provides peace of mind that suitable cover is in place for the way your home is used.
UK Holiday Let Insurance Cover
Our holiday let home insurance can include cover for a range of risks. These include:
Fire Damage
Covers damage caused by fire, including smoke damage and damage from lightning or explosion.
Weather & Flood Damage
Covers loss or damage caused by storm, flood or severe weather conditions.
Escape of Water & Oil
Covers damage caused by leaks from pipes, heating systems and domestic appliance.
Theft & Burglary
Covers loss or damage resulting from theft or attempted theft, subject to your policy terms.
Property Owners' Liability
Covers your legal liability if someone is injured or their property is damaged in connection with your home.
Subsidence, Heave and Landslip
Covers loss or damage caused by movement of the ground beneath your home.
Request a Holiday Let Insurance Quote
Or speak to an InsuraHome holiday let insurance specialist by calling +44 (0) 1483 806 815
Additional Cover for UK Holiday Home Insurance
When choosing the best holiday let insurance for your UK home, it's important to look beyond the price. It's about choosing a policy that matches your holiday let and how it will be used.
As well as buildings and contents insurance, our holiday home let insurance includes additional cover.
| Additional Cover | Description of Cover | Building Insurance | Contents Insurance |
| Theft by Tenants | Covers loss or damage caused by theft or attempted theft by tenants. | ✔ | |
| Liability Cover | Provides property owners' liability cover, including liability arising from holiday letting activities. | ✔ | |
| Common Parts | Covers contents kept in shared or communal areas. | ✔ | ✔ |
| Alternative Accommodation / Loss of Rent | Covers the cost of alternative accommodation/lost rent if your holiday home becomes uninhabitable due to an insured event | ✔ | ✔ |
The holiday let insurance comparison table above highlights how additional cover applies across our buildings and contents insurance policies. For full details of what is and isn't covered, please refer to the policy wording.
Why Choose InsuraHome UK Holiday Let Insurance
Every holiday let is different, and so are its insurance requirements. When it comes to finding suitable home insurance for holiday lets, it isn't always straightforward.
At InsuraHome, our experienced home insurance specialists assess every application individually. This allows us to better understand how your property is used and arrange the right cover for your holiday let.
With our tailored approach, you can have confidence that your holiday let is covered for the way it is used.
Many homeowners with UK holiday let also use their property for their own holidays and getaways. At InsuraHome, we can provide cover for properties that are both let to paying guests and used by the owners for their own holidays.
Specialist Cover for Your UK Holiday Home Let
Your holiday let deserves the same level of protection as your main home. Whether you have recently started holiday letting or have welcomed guests for years, having suitable holiday home let insurance provides reassurance that your holiday let is insured for the way it is used.
Request a Holiday Let Insurance Quote
Or speak to an InsuraHome holiday let insurance specialist by calling +44 (0) 1483 806 815
Explore Other Specialist Home Insurance Solutions
At InsuraHome, we provide specialist home insurance for a wide range of property types and circumstances. Alongside holiday let insurance, we can also help homeowners with unoccupied homes.
Our specialist team also helps homeowners whose insurance needs fall outside a standard home insurance policy.
Frequently Asked Questions about UK Holiday Let Insurance
1. Why Do I Need Insurance for Holiday Letting?
Just like any other home, a holiday let can still be affected by unexpected events. This includes damage while guests are staying at your holiday let or while it's unoccupied between bookings.
Letting your holiday home to paying guests is also considered a commercial activity. Standard home insurance is generally designed for private residential properties and may not provide the right cover for this type of property use.
That's why specialist holiday let property insurance is often the most appropriate option for the way the property is used.
2. Who Can Get InsuraHome Holiday Let Home Insurance?
Our holiday let home insurance in the UK is available for homeowners letting out their holiday home in:
- England
- Wales
- Scotland
- Northern Ireland
- The Channel Islands
Please note: our holiday let home insurance is currently not available for homeowners who own and let out their properties in Europe.
3. Are There Any Conditions for Holiday Let House Insurance from InsuraHome?
Yes, there are some conditions you’ll need to meet as a homeowner of a holiday let. These conditions are here to ensure your holiday let house insurance remains valid.
Some of the main policy conditions include:
Property Inspections
- The property should be inspected both inside and outside at least once every 30 days.
- A record of each inspection, including the date, time and any observations, should also be kept.
Water and Heating System - you will need to meet one of the following requirements:
- Between October and April, the main water supply should be turned off; or
- During this period, the heating should be left on to maintain a minimum temperature of 15°C.
Security Requirements
- The property should have suitable security measures in place, including mortice deadlocks or multi-point locking systems on external doors.
- Accessible windows should also be fitted with key-operated locks.
Please refer to the policy wording for full details of all conditions that apply to your holiday let house insurance.
4. Does Holiday Let Property Insurance Include Accidental Damage?
You can add our optional Accidental Damage to your holiday let property insurance. By adding this optional cover, it adds accidental damage cover while your holiday let is occupied by guests.
This option is subject to the terms, conditions and exclusions of your policy. Please note that accidental damage doesn't include wear and tear, mechanical breakdown or malfunction.
5. How Much Is Holiday Let Insurance?
Several factors affect the cost of holiday let insurance. For example, the location and rebuild value of your holiday let. The type of insurance you choose will also affect your holiday let insurance cost.
If you're unsure of your holiday let’s rebuild value, you can arrange a rebuild cost assessment with a Chartered Surveyor or use a rebuild cost calculator to provide an estimate.
6. How Do I Get a House Insurance for Holiday Lets from InsuraHome?
Getting a quote is straightforward. Click the Request a Quote button and complete our short online form with a few details about your property.
Once you've submitted your form, one of our specialist house insurance team will review your information and contact you to discuss your quote.
Request a Holiday Let Insurance Quote
Or speak to an InsuraHome holiday let insurance specialist by calling +44 (0) 1483 806 815