What Is Holiday Let Insurance?

Holiday let insurance is specialist property insurance for owners of properties let to guests on a short-term or holiday basis. It covers the unique risks that come with frequent guest changeovers, unknown occupants and periods of seasonal vacancy that standard home insurance and standard landlord insurance are simply not designed for.

A standard home insurance policy assumes you live in the property as your main residence. A standard landlord policy assumes a fixed tenancy agreement with a known tenant. Holiday letting is a fundamentally different risk — guests arrive and leave throughout the year, the property may be empty for weeks at a time, and the risks of accidental damage and liability are higher than in a long-term tenancy.

Aldium Insurance arranges holiday let insurance for owners of holiday cottages, Airbnb properties, short-term lets, serviced apartments and coastal and rural holiday properties across the UK. As an independent broker we access the specialist short-term let insurance market to find the right cover for your property and how you manage your lettings.