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    Insurance for long term let of your UK holiday home

UK holiday home long term let insurance

Holiday home long term let insurance

Insurance cover for long term let holiday homes

If you have decided to let a holiday home to the public, you obviously have a great opportunity to recoup some of the money you paid for it.

You should give careful consideration to holiday home insurance, but only if it offers protection from scenarios like visitors damaging your property or injuring themselves and holding you responsible.

There are times when your let property will be empty, times when it might be very busy and maybe even times when there will be a long term tenant. Because we understand that, often seasonal, variations in occupancy levels are a natural part of owning a holiday property, we offer flexible, dependable cover, tailored to the requirements of your individual holiday home.

At Holiday Cottages Insurance, we have experience of properties with special requirements, including underpinned, thatched-roofed or listed buildings. We are prepared to consider most let UK holiday homes.

Key features of the product

Buildings

Cover is provided for an extensive list of perils, such as fire, storm, flood, theft, etc. (see key features for full details). In addition, cover is provided for:

  • Alternative accommodation or loss of hiring charges, following an insured loss
  • Accidental damage
  • Damage caused by emergency access Make an enquiry
  • Costs of tracing and accessing leaks (up to £50,000)
  • Your legal liability as owner of your home

Contents

Cover is provided for an extensive list of perils, such as fire, storm, flood, theft, etc. (see key features for full details). In addition, cover is provided for:

  • Accidental damage (only if accidental damage is shown on your policy schedule)
  • Contents temporarily removed from the home
  • Contents in outbuildings
  • Garden ornaments and furniture (up to £750)
  • Replacement locks if keys are lost or stolen (up to £250)
  • Spoilage of food in freezers (up to £250) Make an enquiry
  • Loss of domestic fuel and metered water (up to £1000)
  • Your liability as occupier, employer and in a personal capacity (up to £5million)

We are also able to insure your main residence.

Please note: certain perils may be excluded when your home has been unoccupied for more than seven days. Please refer to our key facts document for more details.

For more details see our Frequently Asked Questions or contact us.