Holiday Let & Short-Term Let Insurance
If you let out your property for short periods, your household or landlord insurance might not cover you, especially if the house or flat remains unoccupied in between lets. As one of the leading specialist home insurance brokers in the UK, we offer holiday let insurance and can also provide cover for when your property remains empty.
Why choose Adrian Flux for short-term holiday let insurance?
With over 50 years’ experience providing cover for landlords and holiday homeowners in a variety of situations, we’re confident we can help you get a policy that suits your needs.
Our holiday let insurance includes most of the benefits you’ll find with our annual buy-to-let insurance policies:
- Cover for all types of properties, including terraced houses, whole blocks of flats, and landlord portfolios
- Let to professionals, students, DSS, asylum seekers or refugees
- Cover for loss or damage caused by fire, theft, floods or storms
- Claims helpline
- Domestic assistance helpline with advice and contact details for tradesmen
- Discounts for alarms and security locks
- Discount when you take out both building and contents cover
- Easy payment by credit card or direct debit
When might I need short-term rental insurance?
There are a number of situations where you might need short-term rental insurance, all of which we can cover:
- You own a holiday home and only rent it out when you’re not using it
- You let out your property all year around, but it remains unoccupied or is used by you for long periods between lets
- You let out your property for limited periods throughout the year
- You’re letting out your property for a one-off period (e.g. as a filming location or for a sporting event)
How much does holiday let insurance cost?
The cost of your holiday let insurance depends on several factors. This includes how often your property is occupied by holidaygoers, how long it’s left unoccupied, and your own claims history.
If you want an accurate idea of how much your policy will cost, speak to our household insurance team for a quote.
Extra Benefits
-
Family Personal Accident
-
Gadget Insurance
-
Home Emergency Cover
-
Home Insurance
How long can I take out holiday let insurance for?
We offer short-term let insurance as an annual policy. Speak with us over the phone and we can help you get the cover you need.
Does this include holiday lets listed online?
Yes, landlord insurance for short-term rentals can include holiday rentals, including properties listed on Airbnb, Booking.com, Vrbo, and many others. Whether your tenants or guests stay for a few days, a week, or a couple of months, we can cover any claims that need to be made as a result of their stay.
FAQs
It’s usually suggested that you take out holiday let insurance as this has been specifically designed for people who let out their property for short-term holiday lets.
For the most part, landlord insurance will only cover long term lets, this could be the commonly known tenancy agreement of six and 12 months. However, we can tailor cover for the landlords which don’t have an Assured Shorthold Tenancy or satisfactory references.
You might not be covered so it’s best to check your insurance policy to make sure. You might also need to ensure that your policy includes cover for any periods where your property is left unoccupied as most standard policies only cover this for up to 30 days.
It’s generally advised that you have some form of liability insurance as this will keep you financially protected should your guests experience an accident while staying at your property.
Our policies include property liability insurance so rest assured you’ll be covered when you take out cover with us.
