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
Protect your property, your guests, and your income with tailored cover for holiday lets.
Holiday let insurance is a specialised type of landlord insurance designed for properties rented out on a short-term basis to paying guests. It protects against risks that standard home insurance won’t cover – such as guest damage, liability claims, periods when the property is unoccupied, and loss of rental income.
Whether you own a single cottage, a coastal apartment, or a portfolio of rental properties, holiday let insurance protects your investment, income, and guests.
Owning a holiday let is rewarding, but it comes with uncommon risks. Without proper liability cover, you could face costly bills if a guest is injured or causes third-party damage, and many letting agencies require this protection by contract. Standard home insurance is designed for personal residences, not commercial leases, so relying on it could result in your claims being
rejected.
With holiday let insurance, you’re covered for:
In short, it fills the gaps standard policies leave wide open.
What’s typically covered:
What’s not usually covered:
Feature | Standard Home Insurance | Holiday Let Insurance |
Who’s covered | Owner, family, or friends | Paying guests, staff, and landlord |
Unoccupied cover | Limited (30–60 days) | Designed for seasonal or extended vacancy |
Guest damage | Typically excluded | Covered (accidental or malicious) |
Public liability | Limited | Up to ÂŁ5 million as standard |
Loss of rental income | Not included | Included if the property is uninhabitable |
At Policy Powerhouse, we’ve spent over 30 years specialising in cover that doesn’t always fit the industry norm. Holiday let insurance is one of those areas where you need expertise, and we’re here to supply that.
Tailored cover
Every holiday let is different. Whether your property is occasionally used by family, booked back-to-back with guests, or left empty for months, our policies are built to fit.
Comprehensive protection
From public liability and guest damage to free ID fraud cover, our policies ensure you’re protected against both everyday mishaps and worst-case scenarios.
Simple, fast service
Our digital platform makes it easy to get a quote in minutes – no endless phone calls or unnecessary paperwork. We know your time is better spent managing your property, not chasing insurers.
Trusted partners
We only work with highly rated insurers, meaning when you do need to claim, you’re in safe hands.
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Holiday let insurance is a specialist policy for UK properties rented short-term to paying guests. It covers risks like guest damage, liability claims, fire, water damage, and loss of rental income, which standard home insurance often excludes.
Holiday let insurance isn’t a legal requirement in the UK, but most letting agents and booking platforms insist on it. Without cover, you could face uncovered guest claims, property damage, or income losses, leaving your holiday rental business financially exposed.
Yes, holiday let insurance can cover Airbnb properties, protecting you against accidental or malicious guest damage, liability claims, fire or water damage, and loss of rental income, providing reassurance whenever you host paying guests in your property.
Yes. Holiday let insurance is designed to cover properties left vacant between guest bookings or during seasonal closures. Unlike standard home insurance, which restricts unoccupancy, this cover ensures protection when your property sits empty for extended periods.
The cost of holiday let insurance depends on property location, rebuild value, cover level, claims history, and security measures. Tailored policies ensure you only pay for the exact protection your holiday rental requires, avoiding unnecessary extra costs.
Yes. Holiday let insurance can include multiple properties under one policy, providing straightforward portfolio cover. This makes managing insurance easier and more cost-efficient, while ensuring each holiday let benefits from the same specialist protection.
In London, planning permission is required if a property is let for more than 90 nights in one calendar year. Elsewhere, local councils may impose their own specific rules for short-term holiday lets.
With over 30 years of experience, we make finding the right cover simple, affordable, and efficient. Protect your property, your guests, and your income with Policy Powerhouse today.
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