Often, yes: a standard landlord policy may not cover short-term guests, frequent changeovers or periods when the property is empty. Specialist holiday-let insurance can be designed to cover buildings, contents, public liability and loss of rental income, depending on the policy and your circumstances. Check whether it includes accidental damage, guest-related risks, heating or water damage, and any activities or facilities you provide. Compare the terms with an FCA-authorised provider and disclose how the property is used, as exclusions and cover requirements vary.