Specialist property insurance
Holiday Let & AirBnB Insurance
Cover designed for short-term letting — holiday cottages, city apartments and AirBnB properties.
About this cover
Short-term letting platforms and high guest turnover bring risks that standard landlord policies exclude. Our holiday let and AirBnB insurance is built around paying guests, covering the building, your contents and your liability to visitors.
Who it's for
- Holiday cottage and second-home owners
- AirBnB and short-let hosts
- Owners of city apartments let short-term
- Agencies managing holiday let portfolios
What can be covered
- Buildings and contents cover for furnished holiday lets
- Public liability for paying guests
- Accidental and malicious damage by guests
- Loss of income following insured damage
- Theft by guests options
- Cover for properties listed on AirBnB, Vrbo and Booking.com
Insurance for holiday cottages, Airbnb homes and short lets
A holiday let needs to be assessed around paying guests, the way you use it yourself and the gaps between bookings. Tell us the full letting arrangement so we can approach specialist insurers for suitable buildings, contents and liability options.
What to have ready for your quote
- The address, construction, rebuild cost and replacement value of furnishings.
- Weeks let each year, booking platforms and any use by you or your family.
- Guest facilities such as hot tubs, pools or log burners, and who manages changeovers.
- Previous losses, empty periods and the date you want cover to start.
This is a request for an adviser to assess your property, not confirmation of insurance. Cover, limits, excesses and conditions are confirmed in the insurer's terms.
Your questions answered
What insurance do I need for a holiday let?
Consider the building where you are responsible for insuring it, your furnishings, liability to paying guests and loss of income following insured damage. Guest damage and theft options should also be discussed. The protection offered depends on the insurer, policy wording, limits and excesses; not every option is automatically included.
Can I use the property myself as well as let it to guests?
GMG considers holiday letting, second-home use and a mixture of personal use and holiday letting. Explain how often each applies, and whether you let a whole property, an apartment or part of your own home. These are different arrangements and the insurer must assess the actual use.
How much does holiday let insurance cost?
The quote page shows indicative examples, not a price available to every applicant. Premiums reflect the location, construction, sums insured, letting activity, management arrangements and guest facilities. Your premium and applicable Insurance Premium Tax are confirmed after an insurer reviews the details.
What happens when the holiday let is empty between bookings?
Tell us how long it may stand empty and who checks it. Ask which vacancy, security, heating and water conditions apply to the proposed policy, including during winter. Do not assume that a booking platform's protection or an existing household policy provides the cover you need.
Get a Holiday Let & AirBnB Insurance quote
Tell us about your property and a specialist adviser will come back to you with options.
Start your quoteRelated cover
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