Understanding Public Liability Insurance for Holiday Lets
21 March 2025
As a holiday let owner, ensuring your property is covered against potential risks is essential. While you may focus on providing a fantastic stay for
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Owning a holiday or second home is a luxury, whether it’s your countryside retreat, seaside getaway, or an investment property left unoccupied for part of the year. However, with great rewards come unique risks, making specialised insurance for second homes essential. Unlike standard home insurance, holiday or second home insurance is specifically designed to address the challenges of properties that aren’t your primary residence.
Since holiday or second homes are often left vacant for extended periods, the risk of undetected damage, like leaks or break-ins, increases. 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 insuring holiday homes comes in.
At Policy Powerhouse, we offer affordable coverage to keep your holiday or second home protected. Our policies go beyond basic protection, covering fire, water damage, liability, and more. Whether you’re enjoying a quiet weekend or hosting guests, our insurance ensures your property – and your peace of mind – are fully protected.
With over 30 years of experience, we make finding the right coverage simple, efficient, and affordable. Because your holiday or second home deserves top-tier protection, minus the trouble.
Properties left unoccupied for extended periods face unique risks. Our unoccupied property insurance can provide robust protection against threats like vandalism, weather damage, and unforeseen incidents. With this tailored cover, you can relax knowing that your vacant property is protected, even when you’re unable to keep a regular eye on it.
For properties rented to paying guests, our holiday let insurance is designed to protect your investment. It includes public liability cover, accidental damage protection, and loss of rental income, ensuring comprehensive coverage for potential risks. With our support, you can confidently let your property and maximise its value.
Our holiday or second home insurance is designed to address a wide range of risks, offering comprehensive protection tailored to your property’s unique use:
What Isn’t Covered
While our policies are comprehensive, some exclusions apply:
Please review the policy documents for full details.
We provide tailored insurance cover designed to meet your needs, including up to £5 million in public liability insurance to cover bodily injury caused by negligence and accidental property damage. With over 30 years of industry experience, our specialists offer bespoke policies that are robust and perfectly suited to your second home, ensuring you’re protected no matter what.
If your second home isn’t your full-time residence, you need the right insurance to protect it - whether you’re there or it’s left unattended. Our tailored cover is designed specifically for your needs. With our cutting-edge digital platform, we make insurance effortless, simplifying everything from finding the perfect policy to communication and support, so you can secure the right cover quickly and stress-free.
Our Buildings and Contents cover is designed with holiday or second homes in mind, recognising they may be left unattended for extended periods. Partnering with trusted insurers, we offer affordable, high-quality policies backed by reliable claims service, so you can enjoy your holiday or second home worry-free, knowing you’re protected when it matters most.
Holiday or Second home insurance is essential for anyone owning a property that isn’t their primary residence. This includes individuals with holiday homes used occasionally, by friends or family members, or owners of unoccupied properties. If you have a second property, tailored insurance ensures complete protection against unexpected risks, giving you the financial security you need.
To reduce costs, consider improving security measures, bundling policies, and opting for tailored coverage that meets your exact needs without overpaying.
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.
Stop worrying about what could go wrong – focus on creating memorable guest experiences. With Policy Powerhouse, getting insurance is fast, simple, and affordable. Contact us today for a bespoke quotation.
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.
Holiday Home or Second Home Insurance is a specialised policy designed for properties not used as a primary residence. It provides tailored cover for risks such as accidental damage, liability claims, and unoccupied property damage, offering comprehensive protection.
Yes, even occasional use increases risks such as weather damage, theft, or liability claims. A tailored holiday or second home insurance policy protects your investment during periods of use and vacancy.
Holiday or second home insurance typically includes public liability, accidental damage, fire and water damage, alternative accommodation costs, and optional extras such as legal expenses and home emergency cover.
We offer specific holiday letting insurance, including liability for guest injuries, loss of rental income, and accidental property damage caused by paying guests.
Factors include property type, location, security measures, usage patterns (e.g., family use vs. holiday letting), and the level of cover selected. Investing in safety features and tailoring your policy to fit your exact needs can help reduce premiums.
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