Airbnb & Holiday Let Insurance

Specialist insurance for holiday homes, second homes, and short-term lets.

If you rent out your property as a holiday home or on Airbnb, a standard home insurance policy won’t give you the protection you need. Short-term guests, periods of unoccupancy, and higher turnover increase your risks, and without specialist cover, you could be left out of pocket if something goes wrong.

At The Yorkshire Broker, we arrange tailored Airbnb and Holiday Let Insurance designed for properties used for short-term letting, whether for personal use, holiday rental, or commercial purposes.

What is Airbnb & Holiday Let Insurance?

Airbnb and Holiday Let Insurance provides cover for properties that are let out to paying guests for short stays, whether you rent out a single room in your home, a second property, or a full-time holiday let.

It offers the same core protection as standard home insurance, but with additional cover for guest-related risks, accidental damage, and periods when the property is empty between bookings.

Who Needs This Type of Cover?

Even if you only let your property occasionally, standard home insurance will usually exclude cover while paying guests are staying, making specialist cover essential.

You’ll need specialist insurance if you:

Rent your property

through Airbnb, Vrbo, Booking.com, or similar platforms

Let out

a second home or holiday cottage to guests

Offer short-term

or serviced accommodation

Operate a guesthouse

or bed and breakfast

Rent part

of your own home to visitors

What Does Airbnb & Holiday Let Insurance Cover?

A comprehensive policy can include:

Buildings Insurance

Covers the structure of your property, including fixtures, fittings, and outbuildings, against damage caused by fire, flood, storm, escape of water, or vandalism.

Contents Insurance

Protects furniture, appliances, and decorations you provide for guests against theft, accidental damage, or fire.

Accidental & Malicious Damage by Guests

Covers damage caused accidentally, or deliberately, by short-term visitors or tenants.

Property Owner’s Liability

Cover for your legal liability to the public if a guest, visitor, or tradesperson is injured or their property is damaged while on your premises.

Loss of Rent or Alternative Accommodation

Cover for loss of rent or additional accommodation costs if the home becomes uninhabitable due to an insured event.

Unoccupied Property Cover

Provides protection for periods between bookings, when your holiday home is temporarily empty.

Why Standard Home Insurance Isn’t Enough

Most standard home insurance policies are designed for owner-occupied or long-term rented homes, not for short-term lets or paying guests.

Without the right policy, you might not be covered for:

Accidental or deliberate damage caused by guests
Loss of rental income after an insured event
Injuries to visitors or liability claims
Theft when guests have access to your property
Damage during periods of unoccupancy

Airbnb and Holiday Let Insurance fills these gaps, giving you the protection you need for peace of mind.

Why Choose The Yorkshire Broker?

We’ll take the time to understand how you use your property, whether it’s a weekend getaway, an Airbnb rental, or a mix of both, and find a policy that fits perfectly.

Independent advice with access to multiple specialist insurers

Tailored cover for Airbnb, holiday homes, and second properties

Clear explanations of what’s covered, no jargon

Friendly, personal service and ongoing support

Cover for single properties or portfolios

Protect Your Holiday Let or Airbnb Property Today

Running a successful holiday let means keeping guests happy, and that starts with peace of mind. Let us help you protect your property, income, and reputation.

Call The Yorkshire Broker today on 01924 929070 to arrange Airbnb and Holiday Let Insurance tailored to your property.