HOLIDAY LET HOME INSURANCE
- Property covered for non-paying and paying guests including guests from online bnbs, as well as your usage.
- Up to £5m public liability cover for guests.
- Covers holiday lets empty for 30+ days at a time.
- Underwritten by AXA Insurance.
More information
RELIABLE HOLIDAY HOME INSURANCE
To protect your uK holiday let
Many insurers don’t cover holiday homes as standard. but here at Homeprotect we specialise in providing cover to owners of UK holiday lets.
We cover include holiday cottages in the countryside, holiday flats on the seafront and everything else in between, including properties let via online bnbs.
- Holiday homes of all construction types and in all UK locations covered.
- Flood Re policies available online, providing you with flood risk insurance if your holiday let property is by the sea, a lake or a river.
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.”
holiday home Insurance Reviews
Get a home insurance quote online
Get a quote online in less than 10 minutes*
What’s covered by holiday let insurance?
Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.
What we offer
Quick fix for uncontrollable leaks
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
5 star rated buildings cover
Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.
Repair guarantee
Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
Legal advice
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Damage cause gradually, or by wear and tear, or by failure to fix a known issue.
Faulty design or poor workmanship.
Theft, vandalism or accidental damage caused by a paying guest.
The cost of repairing or replacing items following a mechanical or electrical fault.
Lost items.
Escape of water incidents occurring between 1 October – 1 April (inclusive) if your home is left unoccupied for more than 30 consecutive days.
The costs of alternative accommodation (unless the property is your main home).
Recommended by our customers
72% Saved money when they switched to Homeprotect*
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
Covers the main structure of your home, including attached garages and conservatories, if you need to rebuild or repair it following an insured loss. Also covers permanent outdoor structures such as driveways, patios and boundary walls.
£1 million
(more cover available if you need it)
Contents cover
Covering the value of the possessions you could take with you when moving home, such as furniture, clothing, valuables, appliances, fittings, entertainment equipment, gadgets and bikes, following an insured loss. Cover provided on a new for old basis.
from £25,000
Loss of rent
If you have paying guests, we’ll cover lost rent if your guests can’t stay in the home due to an insured event.
up to £30,000
Home emergency
Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak to your home or outbuildings. Includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search (up to the claim limit).
up to £10,000
Outbuildings cover
Covers rebuild or repair of your outbuildings (e.g. detached garages, greenhouses, sheds and summerhouses) that are within the boundary or a communal area you’re legally responsible for, if you need to rebuild or repair them following an insured loss.
from £20,000
Liability cover
Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party.
up to £5 million
Personal possessions
Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world.
Optional
(excluded if you have paying guests)
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home.
Optional
(excluded if you have paying guests)
Accidental damage
Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available.
Optional
(excluded if you have paying guests)
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
Defining which property is your main residence can sometimes be tricky. Aspects to consider when making the decision are where most of your belongings are kept and where you spend the majority of your time.
For instance, if one address is predominantly used for legal interests, is where your car is registered and is what you would consider to be the family home then your insurer will use this distinction to provide cover for your main residence. Anything outside of these situations would typically be a second home, including holiday homes and weekday/weekend properties.
There are no regulations around how long a homeowner can leave their property unoccupied. However, when it comes to purchasing vacant property insurance with Homeprotect, your home must have been unoccupied for more than 30 days.
Holiday homes come in all sorts of shapes and sizes across the UK. As long as the building has fixed foundations, we can provide the following holiday home cover under our home insurance:
- Cottage insurance
- Mansion insurance
- Lodge insurance
- Country home insurance
- Barn conversion insurance
The main difference between a holiday home and a second home is the amount of time the homeowner resides in the property. Second homes are typically seen as secondary permanent residences that the homeowner spends a significant amount of time in – such as part of each week. Holiday homes are sometimes unoccupied for extended periods, with some homeowners only using the property for short stays a few times a year.
Yes, Homeprotect is pleased to offer unoccupied home insurance policies for long periods. If your holiday home will be left vacant during the off-season or between guests for more than 30 days, we can still offer cover. Please read more about our unoccupied home insurance to understand what restrictions apply.