Holiday Let Insurance
Specialist Cover for Short-Term Rental Properties and Holiday Let Insurance
Owning a holiday let property can be a rewarding investment, but it also comes with risks that standard home insurance won’t cover. From guest-related damage and accidental breakages to fire, theft, and liability claims, your property needs specialist protection. That’s where Holiday Let Insurance comes in.
ABA Insurance provides specialist Holiday Let Insurance tailored for property owners who rent out homes, cottages, apartments, or lodges on a short-term basis. Our policies cover buildings, contents, guest liabilities, and loss of rental income, giving you peace of mind between every booking.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Holiday Let Insurance?
Holiday Let Insurance is a specialist insurance policy designed to protect properties rented out as short-term holiday accommodation. It provides broader protection than standard home insurance, accounting for the unique risks of having frequent guests, empty periods, and changeovers.
This insurance is essential for:
- Holiday cottages and second homes
- Apartments or lodges listed on Airbnb, Vrbo, or Booking.com
- Coastal, countryside, and city break properties
- Static caravans and holiday lodges
- Property investors running short-term rental businesses
Without proper cover, holiday home owners may not be insured for guest accidents, damage, or loss of income due to cancellations or unexpected repairs.
Why Do You Need Holiday Let Insurance?
Standard Home Insurance Doesn’t Cover Holiday Lets
If you’re renting out your property to paying guests, your regular home insurance is likely to be invalid. Holiday Let Insurance is designed to cover the risks of short-term rentals.
Protection from Guest Accidents and Liability Claims
If a guest is injured at your property—by slipping on a wet floor, tripping on stairs, or using faulty equipment—you could be held liable. Our policy includes public liability cover to handle compensation claims and legal fees.
Cover for Damage and Theft
Guests may accidentally damage your furniture, appliances, or fixtures, or worse, cause malicious damage or theft. Our contents and accidental damage cover protects your investment.
Financial Protection for Cancellations and Loss of Income
If your holiday let becomes uninhabitable due to fire, flood, or storm damage, you could lose valuable rental income. Our business interruption cover helps recover lost earnings during repairs.
Seasonal and Year-Round Cover
Whether your property is rented out all year round or only in peak seasons, we offer flexible policies to match your letting schedule.
What Does Holiday Let Insurance Cover?
- Buildings insurance for fire, flood, storm, and structural damage
- Contents insurance for furnishings, appliances, and décor
- Public liability insurance for guest injuries or property damage claims
- Employers’ liability insurance for cleaners or maintenance workers
- Accidental damage cover for guest mishaps
- Theft and malicious damage cover for stolen or vandalised items
- Loss of rental income cover if the property becomes uninhabitable
- Legal expenses insurance for disputes with guests or service providers
- Alternative accommodation costs for displaced guests (if applicable)
Get The Right Business Insurance
Common Holiday Let Owner Pain Points & How ABA Insurance Solves Them
Worried About Guest Damage or Theft?
Even the most respectful guests can cause accidental damage or break valuable items. Our policy covers accidental and malicious damage, giving you peace of mind.
Concerned About Legal Liability from Guest Injuries?
If a guest is injured during their stay, you could be liable. Our public liability cover ensures you’re protected from costly claims and legal action.
Renting Out via Airbnb or Short-Term Platforms?
Many platforms have limited protection, and may not cover all incidents. Our insurance fills the gaps, giving you full protection regardless of how you market your property.
Property Empty Between Bookings?
Your property may be vacant for days or weeks at a time. We include unoccupancy cover, ensuring you’re protected even when no guests are in residence.
Want Flexible and Affordable Cover?
We offer customisable policies based on the number of properties, location, occupancy patterns, and risk profile—ensuring cost-effective and relevant protection.
How Much Does Holiday Let Insurance Cost?
The cost of Holiday Let Insurance depends on:
- The location and value of the property
- Whether it’s a standalone home, flat, or lodge
- The number of bookings per year and periods of unoccupancy
- The level of buildings and contents cover required
- Your claims history and risk factors
- Security features such as locks, alarms, and key management systems
ABA Insurance provides tailored policies at competitive rates, helping holiday let owners get the right protection at the best price.
Why Choose ABA Insurance for Holiday Let Insurance?
- Specialist expertise in short-term rental insurance
- Flexible policies designed for individual homes or large portfolios
- Competitive pricing with cost-effective solutions
- Fast quotes and simple applications
- 24/7 claims support for peace of mind all year round
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Holiday Let Insurance Today
Whether you own a coastal cottage, a city flat, or a countryside retreat, protect your property and income with Holiday Let Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.