Holiday Home
Insurance

What is Holiday Home Insurance?

Holiday Home Insurance protects second homes, holiday lets, and short-term rental properties from financial risks. Whether you use your property for personal getaways or let it out to guests, this cover ensures you’re protected against property damage, liability claims, and loss of rental income.

For holiday homeowners, property investors, and holiday let landlords, specialist insurance is essential to safeguard your investment and provide peace of mind.

Who Needs Holiday Home Insurance?

If you own a holiday home, whether for personal use or as a rental, having specialist insurance is crucial. This includes:

• Second Homeowners – Protection for personal holiday properties.
• Holiday Let Owners – Cover for short-term rentals, including Airbnb properties.
• Coastal and Rural Retreats – Protection for properties in high-risk locations.
• Overseas Holiday Homes – Cover for properties abroad.

Why is Holiday Home Insurance Important?

Standard home insurance won’t cover holiday homes, as they are often left unoccupied or rented out. Without specialist cover, you could face significant financial losses.

Common risks that Holiday Home Insurance protects against include:

• Property Damage – Covers fire, floods, storms, and accidental damage.
• Loss of Rental Income – Protection if your property becomes uninhabitable.
• Public Liability – Covers legal fees if a guest is injured on your property.
• Alternative Accommodation – Covers costs if guests need to be relocated due to damage.

What’s Covered in Holiday Home Insurance?

Policies typically include:

• Buildings Insurance – Covers structural damage to your property.
• Contents Insurance – Protection for furnishings and appliances.
• Public Liability Cover – Protection if guests are injured on your property.
• Loss of Rental Income – Compensation for lost earnings due to insured events.

What’s Not Covered?

• General wear and tear.
• Long-term unoccupancy (unless specialist cover is added).
• Guest-caused damage (unless accidental or malicious damage cover is included).

Additional Cover You May Need

Depending on your property type, you may need additional cover such as:

• Loss of Income Cover – Protects rental earnings if your property becomes uninhabitable.
• Legal Expenses Cover – Protection for legal disputes.
• Home Emergency Cover – 24/7 assistance for urgent repairs.
• Unoccupied Property Insurance – Cover for extended vacant periods.

At Insurably, we work with leading insurers to find the best cover for your holiday home—whether it's a countryside cottage, a seaside retreat, or a city apartment.

Start your quote online and let us match you with the right protection, ensuring your property is covered for every eventuality.