Property Owners Insurance

Holiday Let Insurance

Tailored protection for short-term rental and holiday accommodation. Whether you let through Airbnb, Booking.com, or directly, we arrange cover designed for the unique risks of holiday letting.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Holiday Let Insurance Cover?

Holiday let insurance addresses the specific risks of short-term rentals that standard landlord policies don't cover. Protection typically includes:

Buildings Insurance

Full rebuilding costs cover for the property structure, including holiday-specific features like hot tubs or swimming pools.

Contents & Furnishings

Comprehensive cover for furniture, appliances, linens, and equipment – essential for furnished holiday properties.

Loss of Booking Income

Replacement of lost rental income if your property can't accept bookings due to an insured event.

Public Liability

Protection if guests are injured at your property – typically £2m-£5m, essential for holiday accommodation.

Guest Accidental Damage

Cover for accidental damage caused by guests during their stay, subject to policy terms.

Theft by Guests

Optional cover for theft of contents by guests, which is excluded from most standard policies.

Hot Tub & Pool Cover

Specialist cover for leisure facilities including liability for guest injuries.

Employers' Liability

Required if you employ cleaners, changeover staff, or property managers.

Personal Use Periods

Cover maintained during periods when you use the property yourself.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Short-Let Specialists

We understand the holiday rental market and the specific risks of high guest turnover.

Platform Compatible

Policies that meet the insurance requirements of Airbnb, Booking.com, and other platforms.

Flexible Cover

Options for year-round letting, seasonal use, or mixed personal/rental use.

Claims Expertise

Experience handling claims specific to holiday lets, from guest damage to booking losses.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Own a property let as short-term holiday accommodation
List on platforms like Airbnb, Vrbo, or Booking.com
Let a holiday cottage, apartment, or lodge
Offer furnished accommodation with high guest turnover
Have leisure facilities like hot tubs or pools
Use the property partly for personal holidays

What We'll Need for Your Quote

1
Property address and type
2
Maximum guest capacity
3
Approximate number of lettings per year
4
Rebuild value and contents value
5
Any leisure facilities (hot tub, pool, games room)
6
Whether you employ changeover/cleaning staff
7
Platforms used for bookings
8
Claims history for the past 5 years

Get Your Quote

Frequently Asked Questions

Is holiday let insurance different from landlord insurance?

Yes. Standard landlord insurance is designed for long-term tenancies (typically 6+ months) and excludes short-term holiday letting. Holiday let insurance covers the specific risks of high guest turnover, furnished accommodation, and the liability exposures of hosting paying guests.

Does Airbnb's Host Protection Insurance cover me?

Platform-provided cover like Airbnb's Host Protection is secondary insurance with significant limitations and exclusions. It's not a substitute for comprehensive holiday let insurance. We recommend having your own policy as primary cover.

Can I use my property for personal holidays too?

Yes, most holiday let policies allow for periods of personal use. You should declare the approximate split between letting and personal use when arranging cover. Some policies offer 'mixed use' cover specifically for this situation.

What if my property is empty between bookings?

Holiday let insurance typically allows for void periods between guests. However, extended periods of non-use (usually 30+ consecutive days) may need to be notified to insurers. We'll explain the specific terms of your policy.

Do I need special cover for a hot tub?

Hot tubs and swimming pools increase liability risk and may need to be specifically declared and covered. We can arrange policies that include these facilities with appropriate liability limits and safety requirements.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.