Holiday Home & Holiday Let Insurance

If you own a second home that is only used occasionally, then standard home insurance might not be suitable. If you use it as a holiday home, this may require different cover. Our holiday home insurance solution has been created with this in mind, offering a comprehensive level of protection. 

If you are letting the home to holidaymakers, you might want features such as our cover for malicious damage by paying guests and theft by paying guests. We also offer cover for loss of rent if the property becomes uninhabitable following insured loss or damage. This and more are provided as standard with our Holiday Home Insurance.

Our product includes covers to help protect your holiday house against a range of perils, from the basics of FLEE (fire, lightning, earthquake, and explosion) and liability to property damage caused by incidents such as break-ins and theft cover. Both buildings insurance and contents insurance are available.

To provide a comprehensive level of cover, we’ve included protection for risks that other holiday home insurance policies might not offer or some insurance providers may charge extra for, such as malicious damage and theft by tenants.

Our holiday home insurance also includes property owners’ liability cover and occupier or landlord’s liability cover.

Policy limits and exclusions may apply, please see our holiday home insurance policy wordings for full terms and conditions.

Our UK Holiday Home Insurance policy has been awarded a 5 Star rating by Defaqto, the independent analysers of financial products. The award indicates a comprehensive level of insurance to help protect your property. We believe it is important to provide properties with suitable cover, so we’re proud to maintain Defaqto’s highest rating.

The definition of a holiday home let can differ from policy to policy. Our policy wording states that a holiday home let is where the premises is let to any third party, other than family and friends. However, our policy also provides cover when the holiday home is used by family and friends.

Standard home insurance can protect a main residence that is permanently lived in. However, it might contain a clause stating that cover is not provided if uninhabited for a certain length of time or longer. Holiday home cover such as ours is created with this in mind, allowing for the home to be left unoccupied. We understand that you might only visit occasionally or you may have gaps between holiday let tenants.

Cover for holiday homes can vary, depending on a arrange of factors. The level of cover can affect premiums, for example do you need just buildings cover or both buildings and contents cover?

When filling in a quote form, you may also be asked for information such as the rebuild cost, the number of bedrooms, and previous claims history. All the information you provide should be accurate, as it is important to ensure you have suitable cover.

Our holiday home insurance policy offers protection for a range of holiday home uses. For example, if you rent out your holiday home and need holiday let insurance or own it for personal use and invite friends and family to stay, our cover may be suitable for your needs. We provide quotes for various property types, even those with extra external amenities, such as swimming pools or tennis courts.

Our product is suitable for insuring properties in the UK, including holiday homes such as:

• Detached, semi-detached, and terraced houses
• Cottages
• Bungalows
• Maisonettes
• Flats
• Town houses
• Coach houses

Unfortunately, we can’t cover static or mobile caravans. However, you can obtain a quote from Intasure, who is also part of the Arthur J. Gallagher & Co group of companies.

Whether the holiday home is for personal use, including for friends and family, or let to holidaymakers, our insurance is available. It includes renting-specific covers, such as malicious damage by paying guests and loss of rent.

Insurance policies for holiday homes such as ours may split the covers into two categories – buildings and contents. Buildings cover is there to help with the cost of repairing or rebuilding your property if it is damaged. Contents cover is there to help with the cost of repairing or replacing damaged or stolen items, such as furniture and household goods.

Insurance for a holiday home may provide certain covers to help if your rental income is affected. For example, our holiday home insurance cover includes loss of rent. 

When you have paying guests and your holiday home becomes uninhabitable, you may be able to claim for the amount of the booking lost due to an insured peril. Another possibility is that we may be able to cover the cost of alternative accommodation for your guests instead.

Loss of rent cover is different to rent guarantee insurance, which is there to help landlords financially while you are lawfully seeking repossession of your property due to rent arrears.

If the premises become uninhabitable following loss or damage covered by an insured event, the reasonable cost of similar accommodation for you to stay in can be covered.

Like with any empty property, a holiday home might attract burglars if it becomes apparent no one has visited for a while. Taking steps to make the property appear in use might help you to avoid such issues. Take a look at our guide for some tips that may help.

You may also want to consider having the holiday property professionally drained during colder months to help avoid water damage caused by a burst pipe.

Having suitable home insurance for your holiday property while it is empty can help provide peace of mind. If it might be empty for long periods, you may want to consider unoccupied property insurance.

Legal expenses for issues such as property owners’ liability and liability as occupier or landlord are included with our UK Holiday Home Insurance policy as standard. The full list of covers can be found in our policy wording.

We are able to place cover on an entire portfolio if you wish to keep your insurance all in one place. Whether you own holiday homes or you have a mix of holiday homes, tenanted properties and unoccupied properties, we may be able to help.

If you have a portfolio consisting of up to 100 properties, you can obtain a quote online. If your portfolio has over 100 properties, you can obtain a quote by emailing enquiries@justlandlords.co.uk. We may be able to offer you one policy to suit your portfolio’s needs.

You can fill out our claims form by visiting our dedicated claims page. You can either submit the form online or download and print a copy to send to our Claims Department through the post. Our in-house UK based claims team will then process your claims request and get in touch.

• Gallagher – Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers Limited. Part of the Arthur J. Gallagher & Co group of companies.