The cheapest policy is not always the best value, as standard landlord insurance may exclude paying guests or short-term holiday use. Compare specialist holiday-let policies that can include buildings and contents, public liability, accidental damage, loss of rental income and cover during unoccupied periods. Give accurate details about the property, guest use, security and booking arrangements, then compare quotes on a like-for-like basis. Check the policy wording and that the provider is FCA-authorised, or consider seeking help from a regulated insurance broker.