HOLIDAY LET HOME INSURANCE
For all types of holiday lets
- Property covered for non-paying and paying guests including guests from online bnbs, as well as your usage.
- Covers holiday lets empty for 30+ days at a time.
- Underwritten by AXA Insurance.
- Average Quote time under 10 minutes, fast and easy.
More information
RELIABLE HOLIDAY HOME INSURANCE
To protect your uK holiday let
Many insurers don’t cover holiday homes as standard. but here at Homeprotect we specialise in providing cover to owners of UK holiday lets.
We cover include holiday cottages in the countryside, holiday flats on the seafront and everything else in between, including properties let via online bnbs.
- Holiday homes of all construction types and in all UK locations covered.
- Flood Re policies available online, providing you with flood risk insurance if your holiday let property is by the sea, a lake or a river.
holiday home Insurance Reviews
Get a home insurance quote online
Get a quote online in less than 10 minutes*
What’s covered by holiday home insurance?
Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.
What we offer
Quick fix for uncontrollable leaks
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
5 star rated buildings cover
Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.
Repair guarantee
Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
Legal advice
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Damage cause gradually, or by wear and tear, or by failure to fix a known issue.
Faulty design or poor workmanship.
Theft, vandalism or accidental damage caused by a paying guest.
The cost of repairing or replacing items following a mechanical or electrical fault.
Lost items.
Escape of water incidents occurring between 1 October – 1 April (inclusive) if your home is left unoccupied for more than 30 consecutive days.
The costs of alternative accommodation (unless the property is your main home).
Recommended by our customers
72% Saved money when they switched to Homeprotect*
HOME Insurance Cover Levels
Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Buildings cover
Covers the main structure of your home if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
Contents cover
Covering the value of all your possessions in the home, on a new for old basis.
from £25,000
Loss of rent
If you have paying guests, we’ll cover lost rent if your guests can’t stay in the home due to an insured event.
up to £30,000
Home emergency
Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
up to £500
Family legal protection
Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
up to £10,000
Outbuildings cover
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
from £20,000
Liability cover
Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.
up to £5 million
Personal possessions
Cover for portable items that you take out of your home, like bags, clothes and sports equipment
Optional
(excluded if you have paying guests)
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes) and valuables (e.g. watches and jewellery) that you take out of your home.
Optional
(excluded if you have paying guests)
Accidental damage
Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.
Optional
(excluded if you have paying guests)
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
Your Questions Answered
Defining which property is your main residence can sometimes be tricky. Aspects to consider when making the decision are where most of your belongings are kept and where you spend the majority of your time.
For instance, if one address is predominantly used for legal interests, is where your car is registered and is what you would consider to be the family home then your insurer will use this distinction to provide cover for your main residence. Anything outside of these situations would typically be a second home, including holiday homes and weekday/weekend properties.
There are no regulations around how long a homeowner can leave their property unoccupied. However, when it comes to purchasing vacant property insurance with Homeprotect, your home must have been unoccupied for more than 30 days.
Holiday homes come in all sorts of shapes and sizes across the UK. As long as the building has fixed foundations, we can provide the following holiday home cover under our home insurance:
- Cottage insurance
- Mansion insurance
- Lodge insurance
- Country home insurance
- Barn conversion insurance
The main difference between a holiday home and a second home is the amount of time the homeowner resides in the property. Second homes are typically seen as secondary permanent residences that the homeowner spends a significant amount of time in – such as part of each week. Holiday homes are sometimes unoccupied for extended periods, with some homeowners only using the property for short stays a few times a year.
Yes, Homeprotect is pleased to offer unoccupied home insurance policies for long periods. If your holiday home will be left vacant during the off-season or between guests for more than 30 days, we can still offer cover. Please read more about our unoccupied home insurance to understand what restrictions apply.