Holiday Home Insurance
Holiday Home Insurance — Cover for Second Homes & Holiday Lets
Holiday home insurance covers properties you own that are not your primary residence — whether you use them for personal holidays, let them to guests, or a combination of both. Standard home insurance does not cover properties that are unoccupied for extended periods or used as holiday lets. You need a specialist policy that covers the unique risks of a second home.
At UK Sure, we provide holiday home insurance for buildings and contents, covering fire, theft, storm damage, flood, and liability. Our policies cover properties used for personal holidays, holiday lets, Airbnb rentals, and mixed personal and letting use. If you want to use your property as a holiday let, it must meet HMRC rules for furnished holiday lettings.
Whether your holiday home is a cottage in the countryside, a coastal apartment, or a city flat, UK Sure will find the right cover.
Get a quote online or call us on 01323 416706.
Why Our Holiday Home Insurance
What's NOT Covered
Key Features of Our Holiday Home Insurance
Your holiday home is often unoccupied and used by guests — creating risks that standard home insurance does not cover. UK Sure provides specialist cover for second homes and holiday lets.
Holiday Let Cover
Letting your property to paying guests? Our policies cover Airbnb, holiday let, and mixed personal and letting use with public liability for guests.
Unoccupied Periods
Holiday homes sit empty between stays. Our policies cover vacant periods — no 30-day occupancy requirements like standard home insurance.
UK Sure works with specialist property insurers who understand second homes and holiday lets. Whether your property is a coastal cottage or a city apartment, our policies cover the unique risks of owning a holiday home.
Frequently asked questions
1. What is holiday home insurance?
Holiday home insurance covers properties you own that are not your primary residence. It protects the building and contents against fire, theft, flood, and liability — whether you use the property for personal holidays, holiday lets, or both. Call 01323 416706.
2. Does it cover holiday lets and Airbnb?
Yes. Our holiday home policies cover properties used for holiday letting, Airbnb rentals, and mixed personal and letting use. Public liability for guests is also available.
3. Is the property covered when unoccupied?
Yes. Holiday homes are often unoccupied for extended periods between stays. Our policies cover these vacant periods — unlike standard home insurance which may restrict cover after 30 days.
4. Do I need public liability for a holiday let?
Public liability is strongly recommended if you let your property to paying guests. It covers claims if a guest is injured on your property. Call 01323 416706 to add it to your policy.
5. Can I insure a holiday home abroad?
Our policies cover UK holiday homes. If you own a property abroad, contact our team on 01323 416706 to discuss options.
6. What are the HMRC rules for holiday lets?
To qualify as a furnished holiday letting for tax purposes, the property must be furnished, available for letting at least 210 days per year, and actually let for at least 105 days. Check HMRC guidance for full details.