Holiday Home Insurance
At WS Insurance, we arrange tailored holiday home insurance across the UK for:
- Holiday cottages
- Coastal homes & rural retreats
- Second homes
- Holiday lets & short-term rental properties
- Airbnb / Vrbo / Booking.com rentals
- Luxury holiday villas & lodges
- Static caravans & holiday park homes
As an independent insurance broker, we compare specialist insurers to secure the most suitable cover at the most competitive price—helping you protect your property, your guests, and your income.
COVERAGE
What Our Holiday Home Insurance Can Cover
Core Cover
Buildings insurance
Contents insurance
Accidental damage cover
Escape of water (often excluded by standard policies)
Malicious damage (including by guests)
Storm & flood cover
Optional or Enhanced Cover
Public liability insurance (£2m–£10m+ available)
Employers’ liability (for cleaners, maintenance staff & caretakers)
Loss of rental income & business interruption
Legal expenses cover
Key and lock replacement
Cyber and guest booking fraud cover
Unoccupied Holiday Home Cover
Why Holiday Home Insurance Matters
- Periods of unoccupancy in your holiday home
- Seasonal use and guest stays in your holiday home
- Higher theft or vandalism risks at your holiday home
- Extended rebuild times and higher costs
- Damage from storms, leaks, and extreme weather affecting your holiday home
- Liability for guests, cleaners & tradespeople at your holiday home
- Loss of rental income if the holiday home becomes uninhabitable
That’s why dedicated holiday home cover is essential to give complete peace of mind.
Why Choose WS Insurance for Holiday Home Cover?
Choosing the wrong policy could leave you uninsured when you need it most. We provide:
Dedicated holiday home insurance expertise
Access to specialist UK insurers
Independent, whole-market advice
Tailored cover for private & commercial holiday homes
Fast quotes, clear guidance & exceptional service
Support with claims if required
We protect homes from Cornwall to Scotland – coastal, countryside, and city locations.
“Our role is simple — to source the right cover, remove uncertainty, and protect your investment.”
Our team understands the unique needs of holiday home owners. We provide tailored advice to ensure your holiday home is comprehensively covered.
⭐ Customer Reviews
At WS Insurance, our clients trust us for our expertise, transparency, and personalised support. We take pride in delivering reliable insurance solutions and guiding property owners with care at every step. Their feedback reflects our commitment to exceptional service and long-term relationships.
Frequently Asked Questions
Yes. Standard home insurance rarely covers second homes, holiday properties, or guest stays. You require specialist holiday home insurance for proper protection.
Absolutely. Holiday homes pose different risks, such as visitor liability and long periods unoccupied. A dedicated policy ensures you’re covered.
Holiday home insurance is designed for seasonal use. If your home is empty more than 30–60 days a year, you need the correct policy to stay covered.
Yes. Even privately-used holiday homes need specialist cover due to unoccupancy, maintenance access, and risk of storm or water damage.
Yes—provided you tell us the property is used for Airbnb or short-term rentals. Standard home insurance will not cover paying guests.
Yes. If the property is damaged and cannot be rented, loss of income cover can protect your earnings.
Yes, many policies include damage by guests—subject to underwriting. We’ll ensure your cover matches your risk.
Yes, we work with insurers who specialise in UK coastal, rural, and high-risk holiday areas.
Typically:
Property details and location
Usage (private / rental)
Rebuild cost
Safety features (alarms, locks etc)
Rental income (if applicable)
100%. Our dedicated team supports clients throughout the claims process.