What is Residential Landlords Insurance?

Owning a holiday home in the UK is a wonderful investment, but it comes with unique risks that standard home insurance doesn’t cover. Holiday Home Insurance is a specialist policy designed to protect properties that are used seasonally, rented out to guests, or left unoccupied for extended periods. It covers the building, contents, and liability, giving you peace of mind whether your property is a countryside cottage, a seaside retreat, or a city apartment.

How does Residential Landlords Insurance work?

Holiday homes face different risks compared to primary residences. Policies are tailored to cover:

• Buildings Insurance – Protection against fire, flood, storm, and accidental damage.
• Contents Insurance – Safeguards furniture, appliances, and personal items kept in the property.
• Public Liability Cover – Protects you if guests or visitors are injured while staying at your holiday home.
• Loss of Rent or Alternative Accommodation – Ensures income protection or covers guest relocation if your property becomes uninhabitable.
• Flexible Terms – Cover for both personal use and short‑term lets, with options to add extras like accidental damage or theft by tenants.

If an insured event occurs — such as storm damage or a guest accident — you can claim to recover costs, repair damage, or protect your rental income.

Why buy Residentail Landlords Insurance?

Holiday homes are often left empty for long periods or occupied by short‑term guests, which increases risks of theft, damage, and liability claims. Standard home insurance usually excludes these scenarios, leaving you unprotected. Buying Holiday Home Insurance ensures your property, income, and guests are covered against unexpected events. It’s not just about compliance — it’s about safeguarding your investment and enjoying your holiday home with confidence.

🏡 Specialist Landlord Cover: Designed for UK Holiday Homes, not standard homeowners.

⚡ Fast & Simple: Get insured online in minutes.

🔒 Trusted Protection: Policies backed by leading UK insurers.

💬 Expert Support: Our team helps you choose the right cover for your Holiday Home.