Can You Turn Your House Into a Holiday Let?
August 18, 2025
Turning your home into a holiday let can be a great way to boost your income and make the most of a property you’re not
You should consider buying Holiday Home property Insurance online if you own a second property or holiday home that isn’t your main residence that you use for family holidays (including weekend or longer breaks) or let to friends and family. If you let the property to the public, you should buy Holiday Let Insurance.
Policy Powerhouse offers affordable, reliable, and easy-to-get Holiday Home insurance cover UK. We work with top rated insurers who provide great claims service.
Owning a holiday home is a dream for many, but protecting it should be a priority. At Policy Powerhouse, we specialise in providing UK holiday home insurance quotes, providing tailored coverage that ensures your property is safeguarded from the unexpected. Whether you use your holiday home for family getaways or rent it out, we offer flexible, cost-effective solutions to keep your investment secure.
Get a quote from professional insurance advisors who are available to talk with you and ensure that you get the cover that is right for you. We offer just the right cover for whatever your requirement. Why not see for yourself and get a quote below? If holiday home insurance cover is not what you need, we provide unoccupied property insurance and commercial property insurance to ensure you’re covered whatever your needs.
Tailored cover for seasonal, second, or holiday properties across the UK.
Whether your home sits quietly by the coast or in the rolling countryside, make sure it’s protected all year round. With Policy Powerhouse, you can relax knowing your holiday home is covered – even when you’re miles away.
Unlike standard home insurance, holiday or second home insurance is specifically designed to address the challenges of properties that aren’t your primary residence. If friends or family stay in the property, there’s also the added consideration of protecting yourself from guest-related risks, such as liability claims. That’s where holiday or second home insurance comes in.
Many holiday let owners make the mistake of not securely insuring their holiday investment properties and the contents within. Meaning that in the event of a break-in, theft, fire or disaster your holiday let property could end up causing you some big losses from property damage, liability claims or loss of rental income.
Holiday home insurance is a specialised policy designed for properties that are used occasionally, seasonally, or as second homes – not your primary residence. It protects against risks such as theft, storm damage, water damage, public liability, and periods when the property is unoccupied. Standard home insurance may not cover second homes due to their unique risks, such as extended periods of unoccupancy or rental use.
In other words: it’s your property’s safety net when you’re not there to keep an eye on things.
What’s Typically Covered
Optional Add-Ons for Extra Peace of Mind
What’s Not Usually Covered
Feature | Standard Home Insurance | Holiday Home Insurance |
Who’s covered | Owner, family, or friends | Paying guests, visitors, and landlords |
Unoccupied cover | Limited (usually 30–60 days) | Designed for seasonal or extended vacancy |
Guest damage | Typically excluded | Covered (accidental or malicious) |
Public liability | Limited | Up to £5 million as standard |
Loss of rental income | Not included | Included if the property becomes uninhabitable |
Natural disaster protection | Basic or limited | Extended cover for storms, flooding, and water damage |
The cost of property insurance on a holiday home depends on several factors, including:
There are some ways that you could potentially reduce the cost of insurance on holiday home including:
We specialise in holiday home buildings insurance, ensuring even properties with unique needs get the right cover.
Our tech-driven platform makes getting insured quick and easy, so you can focus on enjoying your holiday home, not worrying about paperwork.
We work with top-rated insurers, ensuring you get the best coverage at competitive prices.
Contact a member of our team today to get a quote or policy set-up in minutes. We offer sensibly priced, tailored holiday home insurance cover with cost efficient packages.
Getting a holiday home property insurance UK quote with Policy Powerhouse is quick and simple. To provide an accurate quote, we’ll need details such as:
Property location – Where your holiday home is situated.
Usage – Do you rent it out, or is it for personal use only?
Security features – Any alarms, locks, or additional security measures in place.
Rebuild cost – The estimated cost to rebuild your property in case of total loss.
Contents value – If you require cover for furnishings and belongings.
Our expert advisors are ready to guide you through the process, ensuring you get the best cover at the right price.
Holiday home insurance cover in UK is different to standard home insurance as it is designed to cover properties that are not in full time use and that are used by friends and family. The liability cover covers your liability to both third parties and your guests.
This is purely down to personal choice.
Accidental Damage is included as standard on the buildings section of the Policy Powerhouse let property policy. It is optional cover on the contents section of the policy. Your policy schedule will confirm if this cover is included.
This covers legal liability for accidental bodily injury including death or disease, and accidental damage to material property not belonging to you.
The rebuild sum insured should represent how much it would cost to rebuild your holiday home (including any outbuildings) as they currently stand from scratch.
Policy Powerhouse has taken away the worry of getting this amount right for the policyholder.
We use data from a variety of sources to estimate the rebuild cost of the property.
Rebuild costs don’t include the cost of land, so in most cases it will be less than the property’s market value.
Make sure the rebuild sum insured is enough to cover the cost of rebuilding your holiday home including outbuildings, swimming pools, hot tubs etc. The costs for debris removal and professional architect and engineers fees should also be included.
You may alter the rebuild sum insured up to £1,000,000. Failure to insure for the full reinstatement value could result in the claims settlement being reduced.
Contents should always be covered on a new for old basis. You should insure the contents for the amount it would cost if you were replacing them at today’s prices.
The Policy Powerhouse UK holiday home content insurance automatically offers £10,000 of cover free of charge. You may select any amount up-to £100,000. Typically, the average value of possessions in a holiday home property is approximately £20,000.
You can reduce your landlord insurance for holiday homes by:
Policy Powerhouse is an online insurance broking business focused upon niche insurance sectors providing contingency and property insurance expertise. The business operates as far as possible through its digital platform which is being created to provide exceptional customer engagement and seamless insurer reporting. Policy Powerhouse Executives each have over 30 years specialist experience of the sector and the business is also supported by an Advisory Board who have extensive experience within related sectors such as Technology, Marketing, Advertising & Investor relations. Policy Powerhouse Limited is authorised and regulated by the Financial Conduct Authority, FCA registration 946345 as an appointed representative of Innovative Risk Labs Ltd. Innovative Risk Labs Ltd is authorised and regulated by the FCA Registration 609155. You can check this by visiting Financial Services Register or by contacting the FCA on 0800 111 6768.
The policy is provided by Bspoke Underwriting Limited and insured by Accelerant Insurance Europe SA
A copy of the Policy Wording, IPID, Statement of Fact and Schedule will be emailed to you. Copies are available upon request.
A holiday home insurance UK quote is valid for 30 days from the date of issue.
Policies typically allow a set unoccupancy period, often up to 30, 60, or 90 days. If your property will be empty for longer, we can arrange specialised cover.
Yes. Many insurers require minimum security standards, such as approved locks and alarm systems. Additional security measures may help lower your premium.
You should insure your home for the full rebuild cost, not just its market value. This ensures you’re fully covered in case of complete destruction.
It’s not a legal requirement to have holiday home insurance, but it’s strongly advised. Standard home insurance won’t usually cover a property that’s empty for long periods or rented seasonally. Holiday home insurance in the UK protects you against damage, theft, and liability risks unique to second homes.
Yes. Our second home insurance policies include cover for a set unoccupancy period, often up to 30, 60, or 90 days. Whether your property is empty for a few weeks or several months, you’ll still be protected against risks like storm damage, burst pipes, or vandalism. If your property will be empty for longer, we can arrange specialised cover.
Yes. If your home is damaged and can’t be rented out, our holiday let insurance can cover your loss of income. It ensures your rental earnings continue even when unexpected repairs mean your property can’t welcome guests.
Yes. Storm, flood, and water damage protection are standard in most holiday home insurance policies. We know UK weather isn’t always predictable, so you’ll be covered whether it’s a leaky roof or a burst riverbank.
Yes. You can add contents insurance to protect furniture, fixtures, and personal items left inside your property. From sofas to smart TVs, your belongings are safe from theft, damage, or disaster while you’re away. The Policy Powerhouse holiday let insurance automatically offers £10,000 of cover free of charge. You may select any amount up-to £100,000. Typically, the average value of possessions in a holiday let property is approximately £20,000.
Yes. Public liability insurance protects you if a guest, tradesperson, or visitor is injured at your property. This includes accidents like slips, falls, or property damage – so you’re not left personally liable for legal or medical costs.
Definitely. Policy Powerhouse offers multi-property insurance for owners of several holiday lets or second homes. You can manage all your policies under one roof, saving time, effort, and often money too.
Expertise You Can Trust
With over 30 years of experience, we specialise in holiday home buildings insurance, protecting second homes, cottages, and unique properties across the UK. Our experts understand non-standard risks, ensuring you get tailored, reliable cover designed around your property’s specific needs and lifestyle.
Fast Claims Support
Getting insured shouldn’t feel like hard work. Our tech-driven quote system makes arranging your holiday home insurance quick, simple, and stress-free. No long calls or confusing forms, just straightforward protection that lets you focus on enjoying your property with total peace of mind.
Tailored & Comprehensive Cover
We partner with top-rated UK insurers to deliver affordable yet comprehensive holiday home insurance. You’ll receive competitive pricing without compromising on protection, covering everything from accidental damage to unoccupied periods, so your investment stays safe and secure all year round.
Your holiday home deserves the same protection as your main residence. Whether it’s your peaceful countryside retreat or a seaside escape,
get tailored cover you can trust – quickly, easily, and competitively.
Get a tailored quote for your holiday home insurance
Because peace of mind shouldn’t be seasonal.
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