Buildings insurance
Buildings insurance covers the physical structure of your home – the bricks and mortar – and any permanent fittings or fixtures
MoneySuperMarket can help you find holiday let cover with the insurers listed below.
Click on a listing and input a few details about yourself and the property you want to cover to see that provider's prices.
UK holiday home insurance policies can be quoted and purchased online with Homeprotect. They cover some of the most complicated situations such as a listed holiday cottage by the sea or if you own an unoccupied holiday home. Apply for a quote online today. Policies are underwritten by AXA insurance.
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Insurance for Holiday Homes- part of Howden, are highly rated insurance specialists with over 20 years’ experience in covering holiday home and holiday let (including Airbnb) properties in the UK and abroad. Policies are tailored around individual needs, finding the right cover at a competitive price.
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InsureMy make it quick and easy to protect your UK home away from home. By searching multiple insurers for you and allowing you to quote and buy online, InsureMy helps you find the right cover and the right price in minutes. Policies underwritten and administered in the UK.
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Intasure, specialists in holiday home insurance for over 20 years, offering insurance solutions for properties in the UK and overseas. Cover available whether your property is occupied, unoccupied or let out. Get a quote and buy your policy online in minutes and at your convenience.
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Compare holiday let insurance for landlords. From broken furniture and injuries to damage caused by severe weather or fire, there are lots of risks if you rent out a property as a holiday let. Having tailored holiday let insurance lets you focus on managing your rental rather than the what-ifs. UK based claims and contact team.
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Holiday let insurance is specialised home insurance for properties you rent out on a short-term basis.
It protects your holiday rental or AirBnB against expensive problems such as:
Fire damage
Floods and storms
Burglary
Subsidence
🚩 Standard home insurance does not usually cover holiday lets.
There is no law requiring you to take out any form of home insurance. But without it you will be left paying some expensive bills if something goes wrong at your holiday let.
The constant rotation of guests means holiday lets can be more vulnerable to issues such as property damage or theft. It may also take longer for structural issues to be noticed.
💡 Top tip: If you spend time in the property yourself, you may want holiday home insurance instead.
Insurers consider holiday lets to be a higher claim risk than regular homes. They won't cover that risk under a standard home insurance policy.
Holiday lets have a constant rotation of different holidaymakers who are unfamiliar with the building and its appliances, have no personal investment in the long-term health or security of the property and are more likely to be holding social events or celebrations.
That makes insurable events more likely, including accidental and malicious damage, and issues caused by not addressing structural problems early.
As with standard home insurance, holiday let cover is divided into buildings and contents insurance.
You buy these separately or get a combined policy.
Buildings insurance covers the physical structure of your home – the bricks and mortar – and any permanent fittings or fixtures
Contents cover protects the possessions in your home. Some policies also cover certain belongings out of the home
Combined policies offer maximum protection under one policy and are often cheaper
Different policies may contain these types of cover as standard, or allow you to add them on for a fee.
You are protected if your guests cause unintentional damage to your building or contents.
You are protected if you are considered responsible for a guest injury or guest property damage.
You are protected if you lose business because of an insurable event like a flood.
Yes, anyone can rent out their home on Airbnb. However, there are specific rules you must follow.
AirBnB's rules: You must ensure your space is safe, clean, and as described
Local laws: Some areas have restricted or banned AirBnB
No. Standard home insurance will not cover you if you charge people to stay at the property. But you can get specialised insurance:
If you rent out the entire property, you need holiday let insurance
If you sometimes stay at the property yourself, you need holiday home insurance
If you live at the property and rent out a room/area, you need lodgers cover on your home insurance
No. Landlord insurance is generally designed for properties that are rented to tenants who use it as their primary residence.
If you are letting your property out for short-term stays, the most appropriate insurance cover is holiday let insurance.
It is a time restriction London places on short terms lets in the city. Unless you have planning permission, you may only rent out your holiday let for a maximum of 90 nights in a single calendar year.
The cost of holiday home insurance will vary depending on your individual circumstances.
Factors that affect the price of cover include:
How often the home is occupied and how it is used
Local crime levels
Property's flooding risk and subsidence history
Size of your holiday home
Your claims history
Keeping your home in good condition can prevent disrepair and protect against weather damage
A burglar alarm and secure locks can deter thieves and may lower your premiums.
The excess is a fixed contribution you pay towards any insurance claim. A higher excess can result in lower premiums. However, it will make any insurance claims more expensive for you personally.
Combining your buildings and contents cover with one provider will usually save you money.
Paying your premium annually will be cheaper than paying monthly.
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One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
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No, at this time holiday home and holiday let insurance are not eligible products for unlocking our SuperSaveClub rewards. They are also not included in our Price Promise.