Holiday Let and B&B Insurance

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who specialise in protecting your assets.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who specialise in protecting your assets.

Holiday Let and B&B Insurance

If you run a B&B, or if you let your holiday home or second home to guests, we can help you access the specialist insurance cover you need at a competitive price.

What is Holiday Let and B&B Insurance?

Holiday let and B&B insurance is also known as host insurance. This is specialist cover for short-term letting.
Holiday let and B&B insurance can provide dedicated cover whether you:

  • Run a B&B
  • Let a holiday home or a second home to paying guests
  • Let a spare room, an annex, or your entire property on letting platforms such as Airbnb
Holiday Let insurance quote
Please get in touch with us to discuss your needs. We are here to help you.
You can call any of the team on 03330 111998 or email:
New Business: PLNEW@jameshallam.co.uk | Existing Business: PLExisting@jameshallam.co.uk

Can standard home insurance cover holiday lets?

Standard home insurance will not cover your property for holiday lets. This is partially because most home insurance policies only cover occupied properties, whereas it is likely that your holiday let will be empty for extended periods throughout the year. Also, home insurance will not cover you for the unique risks associated with allowing paying guests to stay at your property.

Holiday Let insurance quote

Why you need insurance for holiday lets

Standard home insurance will not cover you for short-term holiday lets, but this isn’t the only reason you need specialist holiday let insurance.

If a guest injures themselves while staying at your holiday let, they might make a claim against you. In this case, you might be liable for any legal fees and compensation payments that might arise.

Plus, if you leave your property unoccupied for extended periods, it may be at risk of flooding from burst pipes, and other unexpected incidents. When you are not around to address the issue, even a small leak could eventually lead to huge amounts of damage. Thieves and vandals may be more likely to target your property if they know it is unoccupied, too.

What does holiday let and B&B insurance cover?

  • Property owners liability, which can cover your guests for any accidents or injuries they sustain while staying at your property
  • Forced entry, vandalism, and malicious damage
  • Contents cover, for loss, damage, or theft
  • Escape of water
  • Severe weather events, including flooding
  • Subsidence
  • Structural damage

What insurance do you need for an Airbnb?

Holiday let and B&B insurance can also cover you if you let a spare room, an annex, or your entire property on Airbnb and other letting services.

Specialist host insurance will cover you for all the risks associated with running an Airbnb, including theft, accidental or malicious damage, and any accidents or injuries that may occur on your property.

You can tailor the policy to meet your specific cover needs, whether you let out your entire property, or you let out a single room or area of your property, meaning that you will be on the premises at the same time as your guests.

Why choose James Hallam for your holiday let and B&B insurance?

James Hallam is an independent Lloyd’s broker with extensive experience in helping individuals protect their assets. We will take the time to understand the exact nature of your holiday home, B&B, or Airbnb arrangement, so that we can help you get the specialist cover you need at a competitive price.

Meet your team leaders

Clare Kerr

Divisional Director
T: 01387 272620
M: 07714 135620
Email Clare

Claire Moore

Team Manager
T: 03330 111998
M: 07714 137001
Email Claire

Testimonials

I am writing to say how impressed I was with your Trainee Account Handler. Every time I rang she was pleasant, helpful and efficient – a credit to your company.

It was very refreshing in this day and age to have the phone answered by a cheerful and friendly person instead of a recorded message!

Mrs Martin

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Personal lines

High net worth

Beach hut

Sheperd’s hut

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Clare Kerr

Divisional Director

Clare joined James Hallam in 2022 as a team manager and was more recently promoted to Divisional Director for the newly formed Personal Lines Division taking on responsibility for the whole personal lines business.  Previously Clare worked for a local independent broker for 21 years dealing with all aspects of general insurance.  Clare is extremely passionate about general insurance and ensuring that our clients existing and new receive great service and advice.

T: 01387 272620
M: 07714 135620
clare.kerr@jameshallam.co.uk

Claire Moore

Team Manager

Claire joined James Hallam in January 2023 as a team manager for our specialist team that handles beach huts, shepherds’ huts, holiday homes and other specialist areas in Personal lines. Claire previously worked for a leading direct insurer for 18 years, where she managed a large personal lines team and spent 3 years working in learning and capability aspect, so has a passion for building and developing her team to deliver the best possible customer experience.

T: 03330 111998
M: 07714 137001
Claire.Moore@jameshallam.co.uk

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