Last updated:13 April 2021

If you own a holiday home that you rent out when it is empty, you need the right insurance policy in place to protect it.

When you buy holiday let insurance, UK companies will usually cover your property against things like theft, fire or weather damage, as well as protecting you and any holiday makers when you rent it out.

Whether the property is unfurnished or furnished, holiday let insurance can give you crucial protection and peace of mind.

Cover for renting

When you rent out your property you should think about having the following holiday cottage insurance cover in place:

  • Accidental damage: This protects your contents against any damage caused by holiday makers, and can also include replacement locks if your keys are lost.

  • Public liability insurance: This protects you if people staying in your property are injured and take legal action against you.

  • Employer's liability insurance: This protects you if you employ anybody, like cleaners or gardeners, and they are injured while working for you.

  • Loss of rent or income: This can cover any rent you lose if you cannot let your home due to damage covered by your buildings insurance e.g. flood or fire.

Here is more information about landlord insurance if you rent out your property all year round.

You should consider landlord insurance if you rent out your home to paying tenants, even if they are family members.

It is not a legal requirement, but your mortgage provider may insist you take out a landlord insurance policy.

What are the other benefits?

Most holiday let insurance policies offer extra protection like:

  • Extended unoccupied periods: Most policies can cover your home while it is empty for longer than 30 or 60 days. This comparison shows the unoccupied period each insurer offers.

  • Cover for properties abroad: Even if your property is overseas, when you buy holiday let insurance, UK companies may still insure you. Many policies can cover overseas holiday homes, for example in France or Spain.

  • Emergency travel cover: This covers the cost of travel to your holiday home if there has been an emergency you need to sort out, for example a burst pipe or fire.

Work out what cover you need for your holiday let, then use this comparison to get quotes and find the right policy at the best price.

What countries are covered?

There are policies available for properties in most popular European countries, including France, Spain, Portugal and Italy. Different insurers will offer cover for different countries, though some cover up to 40 different countries outside the UK. Check the country you need to be covered is on your insurer's list before you get a quote to make sure you are protected.

If your holiday home is in a country more likely to suffer from a natural disaster, that country may not be covered. Some insurers will cover homes in countries prone to earthquakes or extreme weather, but there may be restrictions in place.

If your home is damaged - whether it's a house, apartment, flat, cottage, chalet, villa or static caravan - you may be able to claim back the cost of a return flight to inspect the damage. This cover should apply if there is some sort of emergency, such as a burst pipe or a break in.

Holiday let insurance FAQs

Q

Do I need to have a holiday let insurance policy?

A

It is not a legal requirement, but if you have a mortgage your lender will insist you have buildings cover to protect their investment.

Q

Can I cover different types of properties?

A

Yes, most holiday let policies can cover villas, chalets, apartments and static caravans in the UK or overseas.

Q

How long can I leave my holiday let empty?

A

Many insurers cover your property no matter how long it is empty for. This comparison shows the unoccupancy period each policy offers.

Q

Can I insure my holiday let with a standard policy?

A

No, because you need extra cover to rent it out like public liability insurance. Standard policies will also not cover it if it is left unoccupied for long periods.

Q

What countries can I insure my holiday let in?

A

Holiday let insurers can cover most major European countries like France, Spain and Italy. Here is more about what countries you can get insured in.

About our home insurance comparison

Q

Who do we include in this comparison?

A

We include holiday let insurance available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.