UK Holiday let Insurance
- Property covered for non-paying and paying guests including Airbnb.
- Up to £5m public liability cover for guests.
- Covers holiday lets empty for 30+ days at a time.
- Underwritten by AXA Insurance.
More information
What is holiday let insurance?
Holiday let insurance is a form of coverage designed to protect holiday homes being rented out to guests. Unlike standard home insurance, which typically covers owner occupied residences, holiday let insurance provides protection for properties used as short-term rentals, albeit typically on a more restricted basis. Essential for UK property owners who lease their homes to tourists, holiday let insurance helps protect against some of the unique challenges associated with short-term lettings.
Do I need holiday let insurance?
If you own a property in the UK that you are renting out, having holiday let insurance is highly advisable. Your standard home insurance policy typically won’t cover your property if it’s used as a holiday let, which is why you’ll need to let us know if you’re using your property as a holiday let, so that we can factor in the additional risks and tailor your policy accordingly.
Holiday let insurance includes coverage for a range of potential risks such as loss of rental income and public liability, which protects you in the event of a guest suffering a bodily injury, illness, or accidental death during their stay and for which you are legally liable. Without the right cover, you could face significant financial losses and liabilities, making it a crucial safeguard for any holiday let owner.
You can get a quote to find out more about the holiday let insurance cover you’ll need for your situation.
What our expert says…
“Our holiday home cover is very popular and we currently insure over 30,000 UK holiday homes. If you have paying guests, then you can claim up to £30,000 for loss of rental income, if your property can’t be lived in due to an insured loss, such as fire or flood.
However, there are cover restrictions, such as the exclusion of alternative accommodation and accidental damage cover if you have paying guests. But because of these restrictions our holiday home cover is, on average, considerably cheaper than our standard property cover.
So even if the price is appealing, do make sure you read through the policy terms to understand the specifics of what is and isn’t covered – that way you can be confident that Homeprotect has the right cover for you.”
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What’s covered by holiday let insurance?
Holiday home insurance protects the building and its contents against insured events such as fire, flood, storm, theft, and more. You can choose to insure the buildings, contents, or both — depending on your needs.
If you let your property to paying guests and they can’t stay due to an insured event, our Loss of Rent feature covers the rent you would have received (as shown in your booking confirmation), up to £30,000 per claim.
Cover includes:
- Buildings insurance – protection for the property’s structure and permanent features
- Contents insurance – protection for items inside the home
If your holiday home is unoccupied for short periods (between 31 and 180 days), your cover remains active, but with the following exclusions unless the property is inspected internally at least once every 30 days:
- Escape of water (claims between 1 October and 1 April)
- Theft or attempted theft, unless all security features listed in your Statement of Fact are in working order
- Jewellery and watches, unless kept in a locked safe with the keys removed
- Money, under any circumstances
You’ll need to provide evidence of inspections at the point of claim.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours (Response times may vary during extreme weather. Policy terms and claim limits apply.)
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t included?
There are some things we can’t cover, including:
- Gradual damage, wear and tear, or issues you knew about but didn’t fix
- Faulty design or poor workmanship
- Theft, vandalism, or accidental damage caused by paying guests
- Mechanical or electrical faults
- Escape of water claims between 1 October – 1 April (inclusive) if the home is left unoccupied (without inspection) for more than 30 days
- Alternative accommodation costs (if the property isn’t your main home)
- Personal Possessions (e.g. bags, clothes, sports equipment used away from the home)
- Gadgets, Bikes & Valuables Away from the Home (e.g. phones, tablets, watches, jewellery)
Keeping your holiday home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
Recommended by our customers
72% Saved money when they switched to Homeprotect*
*Survey data of 1,089 buying customers from 30th October – 12th November 2024
HOME Insurance Cover Levels
Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Buildings cover
Protects the main structure of your holiday home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
Up to £1 million
(more cover available if you need it)
Contents cover
Protects your holiday home contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Loss of rent
Covers lost income if paying guests can’t stay after an insured loss.
up to £30,000
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
Your Questions Answered
No, Homeprotect only covers properties within the United Kingdom, England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands.
No, Homeprotect can only provide holiday let insurance to customers who live in the UK.
The cost of holiday let insurance will vary depending on factors such as location, rebuild value, property security, property maintenance, and the level of cover you choose.
You can get a quote for holiday let insurance today.
Public liability insurance would be included as standard in your holiday let insurance.
Cover of up to £5,000,000 per period of insurance can be provided to pay damages and claimants’ costs and expenses (agreed by us in writing) for your legal liability in the event of incidents such as death, bodily injury, or illness to a third party (e.g. someone other than you, anybody permanently residing with you) or domestic staff (e.g. cleaners or gardeners).
Please read our policy booklet to find out more about what is and isn’t covered.
At Homeprotect we can cover any type of B&B with six bedrooms or fewer, as long as you never have more than twelve guests at a time. Anything more than that and you’re running a hotel, which we don’t cover!