UK HOLIDAY LET INSURANCE
WE COVER THAT
- Property covered for non-paying and paying guests including Airbnb as well as your usage
- Coastal properties and converted barns covered.
- Underwritten by AXA Insurance.
- Average quote time is only 10 minutes.
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INSURANCE FOR YOUR PRIZED HOLIDAY LET
Holiday lets, by their very nature, can often be left empty for long periods of time so you need insurance that takes this into account. If you rent out your second home, you need a policy that is flexible enough for you to be covered while there are paying guests at the house.
You also need to think about how your contents might be treated – visitors to your second home might not be as careful or considerate with your belongings as you are! Homeprotect offers one of the most flexible holiday letting insurance policies in the UK.
- Vacant house insurance available between lets
- Public & personal liability is included up to £5 million
- No cancellation fees if you change your mind within 14 days of purchase
- Here when you need us with the 24/7 Home emergency line
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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
Protects the main structure of your holiday home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
Up to £1 million
(more cover available if you need it)
Contents cover
Protects your holiday home contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Loss of rent
Covers lost income if paying guests can’t stay after an insured loss.
up to £30,000
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
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Holiday home insurance protects the building and its contents against insured events such as fire, flood, storm, theft, and more. You can choose to insure the buildings, contents, or both — depending on your needs.
If you let your property to paying guests and they can’t stay due to an insured event, our Loss of Rent feature covers the rent you would have received (as shown in your booking confirmation), up to £30,000 per claim.
Cover includes:
- Buildings insurance – protection for the property’s structure and permanent features
- Contents insurance – protection for items inside the home
If your holiday home is unoccupied for short periods (between 31 and 180 days), your cover remains active, but with the following exclusions unless the property is inspected internally at least once every 30 days:
- Escape of water (claims between 1 October and 1 April)
- Theft or attempted theft, unless all security features listed in your Statement of Fact are in working order
- Jewellery and watches, unless kept in a locked safe with the keys removed
- Money, under any circumstances
You’ll need to provide evidence of inspections at the point of claim.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Gradual damage, wear and tear, or issues you knew about but didn’t fix
Faulty design, construction, or workmanship.
Theft, vandalism, or accidental damage caused by paying guests
Mechanical or electrical faults
Escape of water claims between 1 October – 1 April (inclusive) if the home is left unoccupied (without inspection) for more than 30 days
Alternative accommodation costs (if the property isn’t your main home)
Personal Possessions (e.g. bags, clothes, sports equipment used away from the home).
Gadgets, Bikes & Valuables Away from the Home (e.g. phones, tablets, watches, jewellery) .
Keeping your holiday home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
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.
Prefer to SPEAK WITH us?
Our insurance experts are on hand if you have any questions.