Holiday Let Insurance Guide

Everything you need to know about holiday let insurance, from coverage types and costs to finding the right policy for your accommodation business.

Why Holiday Let Insurance is Essential

Standard home insurance won't cover your holiday let business. You need specialist holiday let insurance to protect your property, guests, and business from the unique risks of short-term rentals.

If you're using standard home insurance for holiday lets, you may not be covered in the event of a claim. This could leave you facing significant financial losses and legal issues.

• •Guest injury claims
• •Property damage by guests
• •Theft or vandalism
• •Loss of rental income
• •Legal liability issues
• •Business interruption
• •Comprehensive property protection
• •Public liability coverage
• •Loss of rental income protection
• •Guest belongings coverage
• •Legal expenses cover
• •Business equipment protection

Types of Holiday Let Insurance Coverage

Covers the structure of your property against damage from fire, flood, storms, and other perils.

• •Property structure and fixtures
• •Outbuildings and garages
• •Garden walls and fences
• •Swimming pools and hot tubs

Protects you if a guest is injured or their property is damaged while staying at your property.

• •Guest injury claims
• •Property damage to guest belongings
• •Legal defence costs
• •Compensation payments

Covers your furniture, appliances, and other contents against theft, damage, or loss.

• •Furniture and furnishings
• •Kitchen appliances
• •Electronics and entertainment
• •Outdoor equipment

Compensates you for lost income if your property becomes uninhabitable due to an insured event.

• •Fire or flood damage
• •Storm damage
• •Theft or vandalism
• •Essential services failure

Covers legal costs for disputes related to your holiday let business.

• •Contract disputes
• •Employment issues
• •Property disputes
• •Regulatory compliance

Required if you employ staff such as cleaners, maintenance workers, or property managers.

• •Staff injury claims
• •Illness from work activities
• •Legal defence costs
• •Compensation payments

Holiday Let Insurance Costs

• •1-2 bedroom cottage
• •Basic coverage
• •£1M public liability
• •£50K contents
• •3-4 bedroom house
• •Comprehensive coverage
• •£2M public liability
• •£100K contents
• •5+ bedroom property
• •Premium coverage
• •£5M public liability
• •£200K+ contents
• •Property location and crime rates
• •Property age and construction
• •Number of bedrooms
• •Special features (pools, hot tubs)
• •Annual rental income
• •Security measures
• •Claims history
• •Level of coverage required

Need Help with Your Holiday Let Business?

HolidayFox is a direct booking system for independent stays. Guests book and pay you on your own website, or one we build for you. Bookings from Airbnb, Booking.com and Pitchup land in the same calendar, so you're never double-booked. We set it up for you.