| By Chandraketu Tripathi | Updated April 2026 | ||||||||||||||||||||||||||||||
| A holiday home requires specialist insurance — standard home insurance will not cover a property that is regularly let to strangers, left empty for extended periods or used by multiple different occupants throughout the year. Here is what holiday home insurance covers, how much it costs and the differences between UK and overseas cover. | ||||||||||||||||||||||||||||||
Verdict 2026 UK holiday home from: £200–£500/year | Overseas holiday home from: £300–£800/year | Key risks: tenant damage, accidental damage, public liability, loss of rental income | Standard home insurance: does not cover holiday let use | ||||||||||||||||||||||||||||||
Why Standard Home Insurance Does Not Work for Holiday Homes | ||||||||||||||||||||||||||||||
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What Holiday Home Insurance Covers | ||||||||||||||||||||||||||||||
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UK Holiday Home Insurance Cost 2026 | ||||||||||||||||||||||||||||||
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Overseas Holiday Home Insurance | ||||||||||||||||||||||||||||||
| Insuring a property abroad is more complex. You generally need: | ||||||||||||||||||||||||||||||
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Best Holiday Home Insurance Providers UK 2026 | ||||||||||||||||||||||||||||||
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Verdict 2026 Holiday home insurance starts from around £200/year for a UK property. Standard home insurance is inadequate — it does not cover holiday letting, guest damage or extended vacancies. Public liability cover for guest injuries is essential. Overseas holiday home insurance requires policies compliant with local laws — use a specialist like Intasure or Schofields. Always include loss of rental income cover. | ||||||||||||||||||||||||||||||
Frequently Asked QuestionsDo I need special insurance for a holiday home UK? Yes. Standard home insurance does not cover holiday letting, repeated vacancies or paying guests. You need specialist holiday home or holiday let insurance that includes public liability, guest accidental damage and loss of rental income. How much is holiday home insurance UK 2026? A 2–3 bed UK holiday home with buildings, contents, liability and loss of rent cover typically costs £280–500/year. Larger or coastal properties cost more. Can I insure my French or Spanish holiday home from the UK? Yes — specialist providers like Intasure and Schofields offer policies for overseas properties. The policy must comply with the insurance laws of the country where the property is located. | ||||||||||||||||||||||||||||||
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| Sources: Schofields, Intasure, HomeProtect, Saga holiday home insurance 2026, HMRC furnished holiday lettings rules. April 2026. |
Holiday Home Insurance UK 2026: UK and Overseas Cover Compared
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