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Holiday Home Insurance

Before you start welcoming guests into your property, or even if you keep it for personal use, it’s important to consider the type of insurance policy that you’ll need to keep your home, belongings, and potential guests safe.

Insurance for holiday homes that takes the hassle out of your investment.

Holiday homes are a popular investment in the UK. Whether owners enjoy their second property themselves for periods throughout the year, or if they choose to let their property out to paying guests, there are an array of risks to navigate around. From falling foul to theft while the property is unoccupied, to a guest sustaining an injury on an uneven patio, holiday home insurance claims can vary greatly in severity, so having comprehensive, reliable cover is a must. 

Before you start welcoming guests into your property, or even if you keep it for personal use, it’s important to consider the type of insurance policy that you’ll need to keep your home, belongings, and potential guests safe.

Should the worst happen whilst your property is unoccupied, or while you’ve got guests staying, you’ll want to make sure that all insurable losses are protected.  To give you total assurance, we can cover anything from:

  • Specialist buildings and contents cover – accounting for time that the property may be unoccupied
  • Cover for friends, family or paying guests
  • Public liability insurance – for those who rent their property out to paying guests
  • Material damage
Our holiday homes insurance quotes are handled by our dedicated team of tourism & hospitality specialists, and you’ll have direct contact with your account handler.
Get in touch with our holiday home insurance experts

For trusted holiday homes insurance, contact us today to find out more, or pick another type of policy for your business guest house insurance — we provide insurance for glamping sites, pubs, hotels & restaurants, and guest house insurance.

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Holiday Home Insurance from H&H Insurance Brokers
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Bespoke holiday home insurance, what does it mean to me?

Holiday homes are a popular investment in the UK. Whether owners enjoy their second property themselves for periods throughout the year, or if they choose to let their property out to paying guests, there are an array of risks to navigate around. From falling foul to theft while the property is unoccupied, to a guest sustaining an injury on an uneven patio, holiday home insurance claims can vary greatly in severity, so having comprehensive, reliable cover is a must.

Holiday home insurance versus main home

Insuring a holiday home is typically a bit more expensive than insuring your main home, but you can cut costs in many of the same ways ie compare quotes from different insurers and pay a year's premium at the start, rather than making monthly payments.

Insurance for a holiday let is necessary

Public liability insurance for holiday lets to cover legal costs and expenses if someone suffers an injury or dies while staying in your property. Employers' liability insurance is a legal requirement if you employ staff such as a cleaner or gardener. It covers your legal liability if they sustain an injury or illness.

Length of time for unoccupied holiday home

Although generally there are no set-rules in place that state how long you can leave your unoccupied property vacant for, it is important to note that most standard home insurance providers will only cover an empty property for 30 to 60 days.

Liability insurance cover is standard

Whether you use your holiday home for yourself or choose to let it out, it is important to ensure you are covered for liability to the public or any domestic employees.
Kara Jenkinson, Head of Commercial
FAQ's
1. Do holiday homes need insurance?

You are not legally required to insure a holiday home but if you are still paying a mortgage on the property, your lender might require you to have buildings insurance cover for it.

2. What won’t holiday home insurance cover?

Exclusions will depend on the insurance policy you choose, and it is important to read the terms and conditions of the policy that you’re taking out.

3. What kind of properties can I get holiday home insurance for?

All kinds of properties can have holiday home insurance, but some properties may be harder to insure due to the nature of their construction, i.e. properties with features such as thatched roofs, or properties that are listed buildings. 

4. How long can my holiday home be empty for?

This will be dependent on the insurer, but most policies will allow up to 30 days for inoccupancy, and some may be longer.