Holiday Let Buildings Insurance
Holiday Let Insurance
Being a landlord of a holiday let can be quite profitable, but it also comes with a lot of responsibilities and exposes you to certain risks. Holiday let buildings insurance is there to make sure your investment is covered if the unexpected happens. Holiday lets are different from your typical buy-to-let properties; guests may arrive for the weekend, then the property sits empty between stays. This is when unforeseen events like leaks or break-ins can occur. That’s why specialist insurance policies exist to reflect these specific risks. East Yorkshire Insurance Brokers can arrange your holiday let landlord insurance so should the unexpected happen, your finances are covered.
Trusted by 250+
Local Businesses
Access To Over 300
Insurance Markets
Our Clients Rate
EYIB 4.9/5 Stars
Trusted By 250+ Local Businesses
Access To Over 300 Insurance Markets
Our Clients Rate EYIB 4.9/5 Stars
What Is Holiday Let Insurance?
What Is It?
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Why Choose Us For Holiday Let Landlord Insurance
Why Choose EYIB
Access To A Huge Market
We’ve got access to over 300 insurers which spans across various types of insurance, including holiday let insurance. Our connections to a huge market means you can be confident we can arrange your holiday rental landlord insurance.
Businesses Love Us
More than 250 local businesses and commercial landlords trust us with their insurance needs. Get in touch with us today and find out why EYIB are the insurance brokers to trust for commercial business and landlord policies.
We Have Years Of Experience
East Yorkshire Insurance Brokers has been around for over 5 years, and our Managing Director, John, has over 15 years of experience in the insurance industry. This means you can trust that we have the expertise to insure your holiday let.
Years Experience
Local Businesses Insured
Insurers
Our Insurance Partners
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What Insurance Do I Need For Holiday Let?
What’s Included?
Building sums insurance
Malicious damage, fire, flood, or storm can all cause devastating damage to your holiday lets. Building insurance for holiday lets covers the cost of repairing and rebuilding the structure of your holiday rental. We can also help you check you have the correct building sums insured so you’re not over or underpaying.
Loss of rent
For holiday let insurance, loss of rent cover helps if an insured event makes the property unfit for guests and you have to cancel stays whilst the property undergoes repairs. This could be anything from escape of water to fire damage.
Loss of rent
Holiday Let Public Liability Insurance
Holiday let public liability insurance is often called property owners’ liability, and is there to cover the legal defence costs and compensation fees if a guest is injured on the property and you’re liable.
Employers liability
If you employ anyone, employers’ liability is a legal requirement in the UK. That could include a cleaner you have on payroll or a maintenance person you employ directly.
Employers liability
Contents Insurance
Most holiday lets are furnished. Contents insurance can cover furniture, appliances, and the items you provide for guests. If you become a victim of thieves or perils such as a fire or flood damages the property, furnishings and fixtures can be expensive to replace without contents cover.
Property damage
Damage to a holiday let can get expensive fast. With this cover in place, you’re not left funding major repairs yourself if something like a fire happens, or a guest causes malicious damage.
Property damage
How Much Does It Cost?
Cost depends on rebuild value, postcode, construction, and claims history. Management matters too. A flat in a secure block can rate differently to a remote cottage with long gaps. Getting in touch with an insurance broker that specialises in holiday let landlord insurance like ourselves, can give you a more accurate idea of how much this policy will cost you. At East Yorkshire Insurance Brokers we’ll also provide you with a free insurance quote.
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How Much Is Holiday Let Buildings Insurance?
How Much Does It Cost?
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Do I Need Holiday Let Landlord Insurance?
Do I Need It?
If you take paying guests, it’s recommended that you have holiday let insurance that matches short-stay letting. Standard home insurance is rarely suitable, and you have a higher liability exposure than a long-term let, because guests come with more risks. Accidents can happen at any given moment, your rental could suffer a break-in in-between bookings, and fires and floods are out of your control. Holiday let landlord insurance gives you peace of mind that if something does happen, you won’t be out of pocket.
An Example Of Holiday let Insurance In Action
A landlord runs a two-bedroom holiday cottage with regular weekend bookings. During a midweek gap, a pipe under the kitchen sink fails and the leak isn’t found until the cleaner arrives. Water damages the units and flooring and the property has to be closed for drying and repairs, which means cancelled bookings and lost income. With holiday let buildings insurance in place, the escape of water claim covers repair costs and loss of rent helps replace the booking revenue while the property can’t be let.
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Potential Claims Holiday Let Landlord Insurance Can Cover
Holiday Let Potential Claim Example
A guest slips on wet decking after rain and claims there was no warning. Property owners’ liability can respond if you’re found negligent.
A storm lifts tiles and rain gets in, leading to internal repairs and a closure during a busy period. Buildings cover can pay for repairs.
A break-in happens during a quiet gap. The door is forced and a TV is stolen, leaving you with replacement costs and urgent security work. Contents will cover the cost of replacing stolen items.
What Our Clients Think
John was amazing—friendly, patient, and full of great advice. He really took the time to understand our charity and made sure we got exactly the right insurance. Highly recommend East Yorkshire Insurance Brokers
Billy Dasein
East Marsh United
Sarah provided excellent service, taking the time to review our sums insured and ensure everything was accurate. She pointed out gaps in our cover we weren’t aware of and explained everything clearly. We feel much more confident now. Highly recommend East Yorkshire Insurance Brokers!
Connor Hewson
Assured Marketing
East Yorkshire Insurance Brokers have looked after our insurance for several years, and we’re always impressed by the great service they provide. They’re professional, reliable, and always find us a competitive deal. Couldn’t ask for better!
Jason Kay
H2MO Limited
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Your Dedicated Holiday Let Insurance Broker
Your Dedicated Insurance Broker
Meet John, our MD who has 15 years of experience in the insurance industry. If you’re asking “what insurance do I need for holiday let?”, the answer depends on the property and how you operate. At East Yorkshire Insurance Brokers we have decades of experience arranging landlord policies, including for holiday lets. We’ll take the time to understand your business, your location, how many bookings are usual for you and your turnover and more, so we can get you the cover that is right for you. Looking for holiday let building insurance? Get in touch with East Yorkshire Insurance Brokers for a free insurance quote today!
Do I need building insurance for holiday let if I already have landlord cover?
Often, yes. Many landlord policies restrict short-stay letting, so you need cover written for holiday use.
Do I need building insurance for holiday let if I already have landlord cover?
Does holiday let insurance cover accidental damage by guests?
It can, depending on the insurer and what you select. Some policies include it.
Is holiday let public liability insurance included automatically?
Usually it’s included as property owners’ liability, but the limit and restrictions vary.
Is holiday let public liability insurance included automatically?
What if my property is empty for a month?
You can still be covered, but you may need to meet inspection or water precautions during longer gaps. We’ll talk you through your policy wording so you know how long you’re covered for.