Landlord Insurance for Holiday Rental
Many owners of holiday homes have discovered that they can capitalise on the time their holiday property is unoccupied by renting it out to holidaymakers to both reduce the risk associated with leaving a property vacant and to produce a valuable source of income. However in order to minimise any potential risks to the property, home owners will usually be advised to acquire special landlord insurance for holiday rentals.
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To find the right landlord insurance for your holiday rental, see below for our selection of places you will be able to get quotes on a range of types of landlord insurance:
Landlord Insurance for Holiday Rental
It is important to remember that although your holiday home may be covered by a standard home insurance policy, letting the property out to tenants may render the initial policy invalid. In these circumstances, finding appropriate landlord insurance for holiday rental policy is essential for home owners who wish to protect their property.
Like most other forms of landlord insurance, holiday rental policies will usually contain important measures that are designed to protect the interests of home owners, including:
- Landlord contents insurance - intended to protect the home owner's property, such as furniture, appliances, upholstery. What is covered will vary from policy to policy however. You may also need to decide between indemnity or ‘New for old’ coverage.
- Landlords building insurance - intended to cover the cost of repairing any structural damage to the property. it may include coverage for the permanent fixtures such as bath tubs. You may want to make sure that a building insurance policy would cover the cost of clearing the land and rebuilding the property if it was destroyed by an insured event.
- Public liability for landlord’s insurance - This type of insurance policy would provide cover in the event of a holiday maker staying in your property making a personal injury claim against you, it could help to cover your legal costs and if you were found to be at fault pay for the claimant’s compensation award and legal costs. If your property has certain amenities for example a swimming pool, you may want to ensure that your policy provides you cover for incidents arising from its use.
There are a number of insurance companies that specialise in providing landlord insurance for holiday home owners and as such, it is a good idea to shop around in order to find the best possible landlord insurance quote for your needs.