Holiday & short-let insurance
- Recurring
The short answer
Cover for Airbnb and holiday lets
- Price from
- £350.00
- Time on site
- 20 to 30 minutes (online or phone consultation)
What you get
You get a tailored insurance policy covering your holiday let property for buildings, contents, public liability, and loss of income due to unforeseen events.
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When do you need a Holiday & short-let insurance?
This insurance is essential if you rent out your property for short periods, whether as a holiday home, a serviced apartment, or via platforms like Airbnb. Standard home insurance policies are not valid for properties used for commercial short-term letting, leaving you uninsured.
What happens on the day
As this is an insurance consultation, there's no 'on the day' physical visit. You'll discuss your property details, letting arrangements, and specific cover requirements with an insurance broker to find the most suitable policy.
How to prepare
- Details of your property's location, type, and age
- Estimated annual rental income
- Information on security measures (alarms, locks)
- Details of your guest vetting process (if any)
- Any previous claims history for the property
How to improve your result
- Ensure robust guest screening and clear house rules are in place.
- Install reliable security systems and smoke detectors.
- Regularly inspect your property for maintenance and potential hazards.
- Keep an inventory of contents to aid with any claims.
Why it is useful day to day
This insurance protects your property investment from damages by guests, covers you against public liability claims, and safeguards your income stream in case of property unsuitability. It provides peace of mind that your short-let business is secure.
Why we ask these questions
We ask about the typical number of guests, frequency of lets, property type, and security measures. These details help assess the increased risks of commercial usage and ensure the policy adequately covers potential damages or public liability claims.
Frequently asked questions
Often needed alongside
- Recurring
Landlord insurance
Buildings, contents and liability for let property
Holiday let mortgage
Lending for holiday and short lets
- Recurring
Home (buildings) insurance
Buildings cover for owner-occupiers
- Fixed price
Property photography
Photos, video and virtual tours
- Recurring
Contents insurance
Cover for belongings
- Recurring
Commercial property insurance
Offices, shops, industrial units
Smart & high-security locks
Keyless entry, anti-snap
- Recurring
Block & leasehold insurance
Buildings cover for blocks of flats