Short-Term Holiday Let Insurance

Why choose Howden for high value home insurance?

Running a self catering or short term let property can be incredibly rewarding - but it also comes with responsibilities that standard home insurance simply doesn’t cover. At Howden, we understand the risks faced by holiday let owners, and we have designed a specialist product to protect your property, your guests, and your business.

With extensive experience in the sector and string relationships across the hospitality industry, our team understand the practical challenges of running a holiday let. We take an advice-led approach, helping you understand what cover you need and why you need it. Our dedicated claims team is also on hand to provide fast, expert support whenever you need it.

There’s no “one size fits all” in this market. Every property and set-up is different, so we focus on understanding your situation and offer clear guidance to help you make informed decisions and your insurance.

Benefits of work with us

What a short term holiday let insurance policy with Howden can Include

Our policy has been designed for small to medium sized holiday let and self catering businesses across the UK. Key features include:

Property Protection

• Accidental damage as standard
• Malicious damage, including damage caused by guests
• Theft or attempted theft by guests
• Damage from fire, escape of water, storm and flood
• Contents cover for furniture, appliances, kitchenware and décor
• Loss of income following insured damage that renders the property uninhabitable

Liability Cover

• Public liability insurance to protect against guest injuries or damage to their belongings
• Recommended £5 million limit of indemnity
• Employers’ liability insurance if you hire staff (including casual or seasonal workers)

Specialist Holiday Let Cover

• Tailored protection for short term rental risks
• Cover for alternative accommodation costs if guests need to be relocated
• Flexibility for properties rented through platforms such as Airbnb, Vrbo or Booking.com

Who Needs Self Catering & Short Term Holiday Let Insurance?

This policy is ideal for:

• Holiday let owners operating in the UK
• Individuals or businesses renting out:
  
  • Cottages
  • Lodges or cabins
  • Apartments or flats
  • City break accommodation
  • Annexes or converted outbuildings
• Hosts letting their property through booking platforms

Whether you manage a cottage or a castle, if you welcome paying guests into your property, you need an insurance policy designed specifically for holiday lettings.

To speak to us about your short-term let insurance call 0131 553 2293 or email privateclients@howdeninsurance.co.uk.