Home Emergency Cover for holiday lets
26 October 2022
With holiday let properties carrying an increased risk of damage, home emergency cover is a popular choice for owners that can’t be there 24/7 to
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Owning a cottage as a holiday or second home is a great investment, but comes with the challenge of properly insuring your property. They have their own set of unique risks, and standard home insurance simply doesn’t offer the coverage needed for such assets. That’s where specialist holiday let insurance for cottages becomes essential.
At Policy Powerhouse, we understand the importance of protecting your cottage investment, whether it’s used as a holiday home that isn’t your main residence or let out to paying guests. From accidental damage to liability claims, our tailored insurance for a second home policies cover a wide range of risks to ensure your property is protected, no matter what.
Our flexible and affordable coverage options are designed to meet the needs of cottage owners, whether you have a single property or a portfolio of holiday lets. With over 30 years of expertise in the insurance industry, Policy Powerhouse offers reliable and comprehensive insurance, giving you the peace of mind to focus on what matters most – whether that’s a single holiday let cottage or ensuring a smooth-running holiday let portfolio and leave us to insuring your holiday homes.
Owning a holiday home, whether it’s a second home for personal getaways or a property let to friends, requires the right insurance to protect against unexpected risks. Our tailored Holiday Home Insurance provides comprehensive coverage for everything from property damage to liability claims, ensuring your investment is secure year-round. If you rent out your property to the public, consider our Holiday Let Insurance for even broader protection. Our policies safeguard against accidental and malicious damage, liability claims from guests or staff, and loss of rental income due to unforeseen events like fire or flooding. Plus, we cover periods when your property is unoccupied, giving you peace of mind throughout the year. Don’t leave your holiday home unprotected - get a quick, hassle-free quote today.
Insurance for holiday let cottages is specifically crafted to address the unique needs of cottage owners offering short-term rentals. This insurance provides tailored protection for the risks associated with hosting paying guests in a holiday let setting.
Standard holiday let insurance may not fully cover these specific scenarios, leaving your property vulnerable to expensive repairs, legal claims, and lost rental income. With the right coverage, you can ensure that your cottage, guests, and business remain fully protected, giving you peace of mind and financial security.
Our insurance for holiday let cottages policies provide comprehensive cover to meet the specific needs of protecting your cottage:
We also offer optional coverage such as:
Exclusions to Note:
While our policies are comprehensive, certain exclusions apply:
Our insurance policies are designed to be fully customised, ensuring your needs are met. Whether you own and rent out a single cottage or manage an entire portfolio of holiday lets, we provide complete protection against the risks that matter most to you. You can rest assured that your property is covered with the right policy for your situation.
At Policy Powerhouse, we’ve simplified the process of getting a quote. Our user-friendly digital platform allows you to get a quote in minutes, eliminating the need for lengthy phone calls or frustrating delays. You’ll enjoy a smooth, straightforward experience that saves you time and effort, giving you the coverage you need without the stress.
With over 30 years of experience in the insurance industry, Policy Powerhouse brings you expert advice and reliable coverage at competitive rates. Our partnerships with top-rated insurers ensure you get the best value. We are committed to delivering exceptional customer service, so you can trust us to protect your holiday let property with confidence.
Cottages used as holiday homes or lets present unique challenges that differ from standard properties. This includes managing the risks associated with seasonal use, which can lead to wear and tear during peak rental periods, and increased vulnerability during unoccupied periods, such as leaks or pest infestations. Additionally, there are guest-related risks, including liability for injuries or damages caused by paying or non-paying guests. Standard insurance often falls short in addressing these issues, which is why our specialist holiday let insurance for cottages is designed to provide comprehensive protection for your cottage, ensuring financial security.
It’s always better to be safe and fully covered in the event that something goes wrong. This ensures you and your guests are covered for any damages that occur on the property and means that you can continue to earn money from your holiday let property even if it can’t operate as intended. If holiday let insurance isn’t what you’re after, we do offer other insurance products such as insurance for airbnb, commercial property insurance and insurance for unoccupied properties.
At Policy Powerhouse, we offer affordable, reliable, and comprehensive second home insurance designed to meet the needs of holiday let owners. With flexible policies, rapid claims service, and expert support, we make it easy to protect your investment.
Get your quote today and experience the peace of mind that comes with knowing your holiday home is fully covered!
We’re committed to making a difference here at Policy Powerhouse, that’s why we donate £1 to the Make-A-Wish Foundation every time you purchase or renew your policy with us. We have a goal of raising £100,000 and you can read all about it here.
Yes. 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 is essential. It covers risks such as guest-related damage, liability claims, and loss of rental income.
Our insurance covers property damage, liability claims, loss of rental income, and even alternative accommodation for guests. Additional options like malicious damage by tenants and legal expenses are also available.
Yes. Our holiday let insurance for cottages is specifically designed for short-term rentals, ensuring your property is protected no matter how frequently it’s let.
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