Holiday let insurance is available for properties located in the UK and abroad. With it, your let and anyone you’ve allowed to stay there is covered. It also ensures you won’t be out of pocket if there’s a flood, break-in or other disaster while no one’s there.
Holiday let insurance gives you peace of mind."
Holiday let insurance covers your holiday home and protects you and any paying guests against losses caused by theft, fire, burst pipes, water or storm damage.
Whether the property’s furnished or not, holiday let or holiday cottage insurance gives you crucial protection.
When you rent out your property, think about having the following insurance benefits in place:
Accidental damage: Protects your contents against any damage caused by renters or their guests
Key cover: pays toward the cost of replacement keys and locks if yours are lost
Public liability insurance: This protects you if visitors and paying guests are injured or their property is damaged in your let, and they take legal action against you
Employer's liability insurance: This cover protects you if someone you employ - like a cleaner or gardener - is injured while working for you
Loss of rent or income: Covers loss of rental income if you can’t let your holiday home due to damage covered by your buildings insurance, e.g. flood or fire
Many holiday let insurance policies offer additional protection as standard, like:
Cover for properties abroad: Even if your property’s overseas, insurers specialising in cover for UK-based holiday homes may still insure overseas holiday homes
Emergency travel cover: If your home’s damaged – whether it's a house, apartment, flat, cottage, chalet, villa or even a static caravan – you may be able to claim back the cost of a return flight to inspect the damage. This cover should also apply if there’s an emergency, such as a burst pipe or a break-in
Theft: Cover for items in the property that have been stolen by guests or visitors where there is no sign of forced entry
Work out what cover you need for your holiday let, then use our comparison tool above to find the right policy at the best price."
Holiday let insurance isn’t a legal requirement, but it makes sense to be protected against damage and third-party claims. Also, if you’ve got a mortgage on your holiday property, your lender will invariably insist you have buildings cover to protect their investment. They may also require you to have landlord insurance.
Yes, most holiday let policies cover villas, chalets, apartments and static caravans in the UK or overseas.
Many insurers cover your property no matter how long it’s empty. Some will only allow you to leave it vacant for a given period, for instance, 60 days. So, always check the terms and conditions before settling on a holiday home insurance policy.
Also, since Brexit, Brits can’t stay at their own holiday home (in the Schengen Area) for more than 90 days in every 180-day period.
No. You need extra cover, like public liability insurance. Standard home insurance policies won’t cover your property if it’s not your main residence. They also won’t cover the property if it’s left unoccupied for longer periods than the maximum stipulated in the terms and conditions.
European holiday let insurance policies tend to cover most popular destinations, like France, Spain and Italy. Some UK holiday insurance policies also cover European holiday homes.
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