This covers legal liability for accidental bodily injury including death or disease, and accidental damage to material property not belonging to you.

• Loss of rent receivable if your buildings cannot be lived in or access to them is denied as a result of an insured event.
• Ground rent 
• Professional accountant charges
• Automatic rent review an increase to reflect the revised rent receivable amount.
• How long can I claim for lost rental? When setting up your policy you can choose to be covered for 12, 18, 24 or 36 months loss of rental income. 
• How much loss of rental can I be covered for? When setting up your policy you can decide how much cover you need. The default is 20% of the buildings sum insured but you can change this as required. Please remember that the monthly maximum cover is the sum insured that you have selected, divided by the number of months cover you have selected. For example, a sum insured of £12,000 over 12 months would allow you to claim for up to £1,000 per month for 12 months. The same sum insured over 36 months would only allow you to claim up to £333.33 for up to 36 months.

You should be offered a choice of indemnity period, during which rental income will be paid at the previously agreed amount. These payments are typically made over 12, 18, 24 or 36 month periods e.g. £10,000 annual rent would be paid at a rate of £833.00 per month over a 12 month period or £417.00 per month over a 24 month period.

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.

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 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.

The rebuild sum insured should represent how much it would cost to rebuild your holiday let (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 let 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.

This policy is arranged and administered by Modus, a trading style of Acrisure UK MGA Limited on behalf of ERGO UK Specialty Ltd on behalf of Great Lakes Insurance UK Limited.

Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

ERGO UK Specialty and Great Lakes Insurance UK Limited are part of the Munich Re Group, one of the leading reinsurers and risk carriers worldwide.

Policy Powerhouse may also use other appropriately authorised insurers in certain circumstances whose full details will be made available at time of quotation and policy issue.

A copy of the Policy Wording, IPID, Statement of Fact and Schedule are available under the ‘My Policy Documents’ section of the Policy Powerhouse portal.

A quotation is valid for 30 days from the date of issue.

It needs to be your decision to purchase insurance. Our Landlords Commercial Let insurance ensures your business assets and legal responsibilities are covered.

It needs to be your decision to purchase insurance. Our Landlords Commercial Let Insurance ensures your business assets and legal responsibilities are covered. If your property is empty, you will need commercial unoccupied property insurance.

It needs to be your decision to purchase insurance. If your property is used for short-term rentals or as a holiday let, it likely won’t be covered by standard home insurance. Specialist cover ensures you’re protected against guest-related risks and property damage.

It needs to be your decision to purchase insurance. If you’re using your cottage as a second home or letting it to guests, standard home insurance is unlikely to provide adequate cover. Specialist holiday let cottage insurance protects your property, contents, and liability risks.

If you occasionally rent your cottage to paying guests, holiday cottage owner insurance would likely cover youis essential[1.1]. It covers risks such as guest-related damage, liability claims, and loss of rental income.

It needs to be your decision to purchase insurance Even occasional use increases risks such as theft, leaks, or liability claims. Second home insurance provides tailored protection when your property is vacant or occasionally used by friends, family, or guests.

It needs to be your decision to purchase insurance. This product safeguards your business assets, legal responsibilities, and the overall security of your property while it’s unoccupied.

It needs to be your decision to purchase insurance. Public liability insurance for airbnb hosts protects you from claims if a guest is injured or their property is damaged during their stay.

It needs to be your decision to purchase insurance. Standardhome insurance does not cover Airbnb rentals, meaning you could be at financial risk if a guest causes damage or makes a liability claim. Our holiday let insurance for airbnb properties will ensure you are covered.

It needs to be your decision to purchase insurance Standard home insurance usually excludes short-term or commercial letting. Without dedicated Airbnb host insurance in the UK, you could be unprotected against guest-related damage or liability claims. Specialist host insurance for Airbnb properties ensures your rental income and home are fully covered when letting short-term.