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You, your holiday let apartment and your insurance

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You, your holiday let apartment and your insurance.
When purchasing an apartment to holiday let, you’ll rightly focus on the return on investment. As part of this research you’ll establish that there is sufficient demand for an additional holiday let in the location of your choice. As with any business decision it is important to stand back and let your head rule your heart! It’s important to avoid the following pitfalls:

If you are using a mortgage to finance your purchase make sure your mortgage provider is aware of your intention to holiday let the property.

Check with the freeholder / managing agent that there are no restrictions on the use of the property that will prevent you from letting it for short term holidays.

Likewise check with the freeholder / managing agent that the buildings insurance policy for the apartment block includes property owners liability for the shared areas and that holiday letting is an acceptable use of the apartments by the insurer.

At this point it is also wise to check if the buildings insurance extends to cover fixtures and fittings within the apartment such as fitted bathrooms, kitchens, and fitted bedroom furniture and wooden flooring and if so is accidental damage included? In our experience the buildings insurance for many blocks of flats and apartment blocks does not extend to cover the fixtures and fittings within the apartment and certainly not in the event of accidental damage.

Now that you have established the above, how can Boshers help?

We can provide you with a Holiday Home Insurance Contents Policy for your apartment to include cover for:

  • Your general contents
  • Fitted kitchens, bathrooms, bedrooms and flooring
  • Property owners liability insurance for commercial holiday letting

It is important that you insure for the correct replacement value, remember in the event of a claim your contents will be replaced on a new for old basis, therefore your sum insured must be sufficient to replace everything at the recommended retail price. Likewise with fitted kitchens, bathrooms and bedroom furniture you must insure for like for like replacement including the cost of installation and debris removal.

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Should you have any queries or require a holiday home insurance quotation for your commercially let second home or apartment call us on 01237 429444 or visit us at


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"Thank you for sorting this out, it's very helpful for us to at least action something before the Easter break. ... once again thanks for your kind assistance in this matter." Mr A H Holiday Home Owner

Mr A H - Holiday Home Owner

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