Holiday Home Insurance for UK Properties & Holiday Lets
Specialist cover for holiday homes, Airbnb rentals, holiday cottages and short-term lets — including buildings, contents, public liability and loss of rental income.
✔ FCA Regulated Broker
✔ Multiple Insurer Panel
✔ UK-Based Advisors
✔ Specialist Property Insurance
⏱ Takes around 9 minutes
Specialist Holiday Home Insurance for UK Properties & Holiday Lets
A holiday home is more than just a second property. Whether you use it as a private retreat, rent it out to paying guests, or combine personal use with holiday letting, having suitable Holiday Home Insurance can help protect your property against unexpected events.
Unlike a standard home, holiday homes are not usually occupied all year round and may have different risks due to periods of vacancy, guest stays and short-term rentals. Specialist insurance can provide protection designed around the way your property is used, helping give you greater confidence when your home is empty or welcoming visitors.
At UK Sure, we compare Holiday Home Insurance options from a panel of insurers to help you find suitable cover for a wide range of properties, including holiday cottages, Airbnb rentals, second homes and short-term holiday lets. Whether you need protection for the building, your contents, or additional cover for guest-related risks, we can help you explore suitable insurance solutions.
Depending on the policy selected, Holiday Home Insurance may include Buildings Insurance, Contents Insurance, Public Liability Cover, Loss of Rental Income and other options designed for holiday property owners. Cover availability and terms can vary depending on your property type, how it is occupied and the insurer selected.
Whether your holiday home is used by family and friends, rented to paying guests, or used for both purposes, UK Sure can help you compare specialist insurance options designed to protect your property and your investment.
⏱ Takes around 9 minutes
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Types of Holiday Homes We Help Insure
At UK Sure, we provide specialist Holiday Home Insurance solutions for a wide range of second properties and holiday accommodation. Whether you use your property as a personal getaway, rent it out to guests, or combine private use with holiday letting, we can help you compare insurance options designed around your circumstances.
Holiday Cottages
Holiday cottages often have unique characteristics and may be used differently from a standard residential property. Specialist Holiday Home Insurance can help protect cottages used for personal stays, family visits or holiday rentals, depending on the policy selected.
Airbnb & Short-Term Holiday Lets
Properties rented through platforms such as Airbnb or other short-term letting arrangements may require specialist insurance due to guest occupancy and increased usage. We can help you explore cover options suitable for properties welcoming paying guests.
Second Homes
A second home may be used as a private retreat, occasional residence or a combination of personal and rental use. Specialist insurance can help protect the property when it is occupied, temporarily empty or used by family and friends.
Holiday Homes Rented to Paying Guests
If you let your holiday property to paying guests, suitable insurance can help address risks that may not apply to a standard home. Depending on the policy arranged, cover options may include protection related to guest use, public liability and loss of rental income.
Properties Used by Friends & Family
Some holiday homes are shared with relatives and friends rather than rented commercially. Specialist policies may provide cover options for properties used by a wider group of occupants, depending on the insurer and policy selected.
Holiday Properties Left Unoccupied
Holiday homes are often empty for periods of time, which can increase certain risks such as unnoticed damage or security issues. We can help you compare insurance options designed for properties that may remain unoccupied for extended periods.
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What's Included
Holiday Home Insurance can be tailored to suit how you use your property, whether it is a second home, holiday let or shared with guests, friends or family. Depending on the policy selected, cover can help protect your property, belongings and investment against unexpected events, with options varying by insurer, property type and circumstances.
Buildings Insurance
Buildings Insurance helps protect the structure of your holiday home, including permanent fixtures and fittings such as kitchens and bathrooms. Depending on the policy selected, cover can help with repair or rebuilding costs following events such as fire, flooding, storms, vandalism and other insured damage.
Contents Insurance
Contents Insurance helps protect the belongings inside your holiday home, including furniture, televisions, gadgets, beds, sofas and other personal possessions. This cover can be particularly valuable for properties used by different occupants, where the risk of accidental damage or loss may be higher.
Public Liability Cover
If you let your holiday home to paying guests, Public Liability Cover can help protect you if someone is injured at your property and makes a claim against you, subject to the terms of the policy.
Loss of Rental Income
If your holiday home becomes unfit for guests following insured damage, Loss of Rental Income cover can help protect against lost rental income while the property cannot be let, subject to the policy terms.
Alternative Accommodation
If your holiday home becomes unfit to stay in due to insured damage, some policies may provide Alternative Accommodation cover to help with temporary accommodation arrangements while repairs are completed.
Additional Cover Options
Depending on the insurer and policy selected, specialist Holiday Home Insurance may also include options such as:
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Cover for holiday homes left empty for more than 30 consecutive days
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Cover for use by friends and family as well as paying guests
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Optional Legal Expenses Cover
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Optional Terrorism Cover
How to Buy Home Insurance
Buying Holiday Home Insurance is a straightforward process. To help you arrange suitable protection for your property, follow these simple steps:
01 Identify the Cover You Need
Consider how your property is used. Whether it is a private second home, a holiday let or a property used by family, friends or paying guests, choosing the right level of cover is the first step.
02 Gather Your Property Information
Before requesting a quote, have the following information available:
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Property type and construction
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How the property is used
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Occupancy details
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Approximate rebuild value (where applicable)
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Details of your contents
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Previous claims history
03 Request a Quote
Click the Get a Quote button and provide your property details. Our team will compare suitable Holiday Home Insurance options from a panel of insurers based on your requirements.
04 Choose Your Policy
Review the available options and select the policy that best suits your property, level of cover and budget.
05 Receive Your Documents
Once your policy has been arranged, you will receive your insurance documents confirming your cover and providing evidence of your policy whenever required.
⏱ Takes around 9 minutes
Holiday Home Insurance for UK Holiday Homes, Holiday Lets & Second Properties
Holiday Home Insurance helps protect a wide range of properties used for personal holidays, short-term letting and holiday accommodation. Whether you own a second home, rent your property to paying guests or combine personal use with holiday letting, choosing suitable cover can help protect your property, belongings and rental income.
At UK Sure, we help holiday homeowners, holiday let owners and second property owners compare specialist insurance solutions from a panel of insurers, making it easier to find cover that reflects how their property is used.
Properties Commonly Covered
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Holiday Homes
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Holiday Cottages
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Second Homes
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Airbnb Properties
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Short-Term Holiday Lets
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Furnished Holiday Lets
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Holiday Properties Used by Friends & Family
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Holiday Homes Rented to Paying Guests
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Unoccupied Holiday Homes
UK Sure Authorised and regulated by the Financial Conduct Authority.
Our FCA Firm reference number is 923039.
Why choose UK Sure for your Holiday Home Insurance?
Multiple Insurer
Panel
We work with a panel of insurers to help find suitable cover for a wide range of holiday properties, giving you access to competitive options and flexible levels of protection.
Specialist Property Cover
UK Sure arranges insurance for holiday homes, holiday lets, Airbnb properties and second homes. We understand the risks linked to occasional occupancy, guest stays and short-term letting.
Tailored Letting Solutions
Whether you use your property yourself, rent it to paying guests or do both, we can help arrange cover that reflects how your holiday home is actually used.
Cover for Unoccupied Periods
Holiday homes are often left empty for extended periods. UK Sure can help arrange cover designed for properties that may be unoccupied for longer than standard home insurance allows.
Helpful UK-Based Support
Our experienced UK-based team is available to answer questions, explain cover options and help make arranging holiday home insurance as simple and straightforward as possible.
● Frequently asked questions