I rent, or I let to others, the holiday home stands empty, I put the flat on Airbnb: who covers what?

Usually not. The landlord’s insurance covers the building and, if it includes them, his own furniture. For your own belongings you need your own contents cover, and contents that were not declared are not paid.

You may be liable if the damage comes from your own negligence, under the tenancy agreement and the law. Many tenant contents policies include liability, and some include liability towards the landlord. Check whether yours does.

Many tenancy agreements include a condition that the tenant insures contents or liability. Whether such a condition is valid in your case is a matter for tenancy law; ask a lawyer before signing if in doubt. Either way, covering your own belongings is in your interest.

Not necessarily. Many home policies are written for owner-occupation and require letting to be declared, or there is a separate landlord policy. For short-term lets, registration with the Deputy Ministry of Tourism includes a declaration of all-risks, fire and public liability insurance. Tell your insurer in writing.

Some landlord policies offer, as an extension, cover for lost rent or malicious damage by a tenant, with conditions and exclusions. A plain home policy usually does not cover these. For the dispute with the tenant itself, speak to a lawyer.

It may, if the policy has an unoccupancy clause and you went past it; many policies limit cover after 30 or 60 days. We found no Cyprus rule. Ask in writing what applies, and if needed ask for an extension or arrange regular visits.

It is the clause that limits cover, usually for theft, malicious damage and escape of water, once the home has been empty beyond a set number of days, often 30 or 60. Policies rarely define what “unoccupied” means. Ask your own insurer in writing for the number of days and the definition.

Do not assume it. Many home policies do not cover commercial or tourist letting unless it is declared. The law requires registration with the Deputy Ministry of Tourism, with a declaration of all-risks, fire and public liability insurance. Tell your insurer in writing before the first booking.

This is a matter of public liability: if the injury comes from your own negligence, you may be liable. Registration for short-term letting includes a declaration of public liability insurance. Tell your insurer at once, and for the platform’s rules read its own terms.

According to a lawyer’s article of January 2023, the registration application includes a declaration of a policy covering all risks, fire and public liability. We did not confirm minimum amounts, or whether the rules changed after 2023. Ask the Deputy Ministry of Tourism before applying.

Usually yes, many insurers insure owners who live abroad. You need someone in Cyprus who can check the home and report at once, and check the unoccupancy clause. Ask in which language the documents and claims are handled.

If the tenant is injured by a defect you should have repaired, you may be liable. Many landlord policies include liability, others only as an extension. Check yours and repair defects promptly, keeping a written record.

Usually yes, if the policy includes them as the landlord’s contents and the letting has been declared. Keep an inventory with photos, signed by the tenant too.

Many home policies do not cover damage by paying guests unless the short-term letting has been declared or there is special cover. Registration with the Deputy Ministry of Tourism requires all-risks insurance; check what yours covers for guest damage. For the platform’s rules, read its own terms.

Some family policies cover the belongings of children studying away, often with a limit and only in certain countries; others do not. Check the clause on “temporary absence” or students, otherwise consider separate cover in the country of study.

It depends on the policy’s definition. Policies rarely define what “unoccupied” means, and the UK Financial Ombudsman accepts that a home you visit regularly may count as occupied (United Kingdom, not Cyprus). Declare how you use it and ask for a written answer.

Registration for short-term letting is a legal duty, and platforms may not list a property without a registration number. Whether the insurer can refuse a claim depends on the terms and on what you declared about the use. Register and tell your insurer in writing.

This is set by the tenancy agreement and tenancy law, not by insurance; often the landlord repairs wear from use and the tenant pays for damage from negligence. Home insurance rarely covers a breakdown from wear. Read the agreement and agree in writing.

Yes. Letting changes the risk, and many policies require it to be declared or call for a landlord policy. Send written notice and keep the reply.

For common areas such as the pool, what counts is whether the complex has its own liability policy, under its rules; compulsory insurance of apartment blocks exists only in a draft bill. For your own flat and your guests, your own public liability cover counts. Ask for a copy of the complex’s policy.

Yes, usually. A lodger changes the risk, and many policies limit theft cover when the thief came in with your consent. Tell your insurer in writing.