What the rules say
Insurance isn't required by law, but GOV.UK says you should have buildings, contents and public liability cover suited to holiday letting. If you employ staff, such as a cleaner, employers' liability insurance is a legal requirement.
What to do
- Check the policy covers paying guests and short stays.
- Tell the insurer about hot tubs, wood burners and anything unusual.
- Record the renewal date here so it never lapses.
Elsewhere in the UK
Scotland: Buildings insurance for the life of the licence and public liability insurance for every let are mandatory licence conditions.
Tips from the field
- Platform guarantees such as AirCover are not a substitute for your own insurance.
- Missing safety certificates are one of the most common reasons claims are refused. Keep them all here.
Official sources
Costs are typical 2025/26 prices, not official figures. This is general information, not legal advice. Last checked 26 Sept 2026.