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 This?
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 it 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 if your property is damaged or becomes uninhabitable.
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.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
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 business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Holiday Home cover you for?
Holiday Let Insurance provides specialist protection for short-term rental properties, covering risks like guest damage, loss of income, and public liability. Insurably® offers expert guidance and flexible cover tailored to the unique needs of holiday homes—giving you peace of mind to focus on hosting, not worrying about what-ifs.
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