If you are considering renting your home during Ryder Cup week in Ireland — when the tournament takes place at Adare Manor in County Limerick from 13 to 19 September 2027 — short-term rental insurance is one of the practical questions worth addressing before you confirm a booking. The good news is that this is generally a straightforward matter: most homeowners simply need to contact their existing insurer, explain the arrangement, and confirm whether their current policy is suitable or requires a temporary adjustment.

For event dates, accommodation options, suitable areas and travel guidance, visit our Ryder Cup 2027 accommodation guide.

This guide explains what to consider, what questions to ask your insurer, and how to approach property protection sensibly so that Ryder Cup week is a positive experience for you and your guests.

Why Insurance Matters for a Short-Term Rental

When paying guests stay in your home — even for just one week — your standard home insurance policy may not automatically cover the arrangement. Many household policies are written for owner-occupied properties rather than for properties with paying guests. This does not mean cover is unavailable or expensive to arrange; it simply means you should check before the stay rather than after.

The potential risks that insurance is intended to address include accidental damage caused by guests, liability if a guest suffers an injury in your home, and loss or damage to your own belongings. Understanding how your existing policy treats a short-term paying-guest arrangement is the first and most important step.

Contact Your Insurer First

The simplest starting point is a direct conversation with your current home insurer. When you call or write, explain the situation clearly:

  • You intend to rent your property to paying guests for a short period during Ryder Cup 2027 at Adare Manor.
  • The stay is likely to be one to two weeks at most.
  • You will be letting the whole property or a defined part of it.
  • You expect a small group of adult golf visitors — typically families, groups of friends or golf supporters travelling together.

Ask your insurer directly: does your current buildings and contents policy cover paying guests for a short event-related let? If not, what adjustment or endorsement would be required, and what would it cost?

Many homeowners find that their insurer can make a simple policy adjustment or provide a short-term extension. Requirements differ between providers, so it is worth asking your specific insurer rather than assuming the outcome.

What Your Insurer May Ask You

To assess the arrangement, your insurer may want to know:

  • The dates of the proposed let and how long guests will stay.
  • How many guests are expected and whether they are adults.
  • Whether you will be present in the property during the stay or away.
  • Whether the letting is a one-off event or part of a regular rental pattern.
  • Whether you have a written rental agreement in place.
  • Whether you are collecting a refundable security deposit from guests.
  • Whether any high-value items of jewellery, art or collectibles remain in the property.

Being clear and honest with your insurer allows them to advise you accurately. Providing incomplete information could affect your ability to make a claim later.

Buildings Insurance and Contents Insurance

It is worth considering both elements of your cover separately:

Buildings Insurance

Buildings insurance covers the structure of your home — walls, roof, fixtures and fittings. If a guest accidentally causes damage to the fabric of the property, buildings cover may be relevant. Check whether your current buildings policy extends to short-term guest lets or whether a separate endorsement is required.

Contents Insurance

Contents insurance covers the items inside your home. Before guests arrive, it is sensible to secure personal belongings, documents, jewellery, medicines, sentimental items and high-value electronics in a locked room or storage area. For items remaining in the property, confirm with your insurer whether contents cover applies while paying guests are in residence.

Public Liability Cover

Public liability cover is worth discussing specifically. This type of cover can respond if a guest suffers an accidental injury in your home and makes a claim against you as the property owner. Some home insurance policies include public liability as standard; others may restrict or exclude it when paying guests are present. Ask your insurer to confirm your position clearly.

Specialist Short-Term Let Insurance

If your current home insurer cannot extend your policy to cover a short paying-guest arrangement, or if the adjustment cost seems disproportionate, it is worth approaching insurers who offer short-term let or holiday-let policies in Ireland. A number of specialist providers operate in this market and can offer cover calibrated for a short event-related let rather than a full annual holiday-let policy. An Irish insurance broker familiar with holiday and short-term let products can help you identify suitable options.

Short-term or holiday-let policies typically address buildings, contents and public liability together, and are designed for exactly the type of arrangement that Ryder Cup homeowners are considering. Premiums for a single short event-related let are generally modest compared with the potential rental income the period can generate.

Practical Steps to Protect Your Property Alongside Insurance

Insurance works best as part of a straightforward set of practical precautions rather than as a substitute for them. Before welcoming Ryder Cup guests, consider the following:

  • Secure personal belongings. Move documents, medicines, jewellery, cash, sentimental items and irreplaceable belongings to a locked room, cupboard or external storage. This reduces both the risk and the scope of any potential claim.
  • Prepare a short property inventory. Note the condition of important items — key furniture, appliances, televisions, kitchen equipment, bed linen and outdoor furniture. A brief written record with photographs taken before arrival provides a clear baseline if any issue arises.
  • Use a written rental agreement. A straightforward agreement records the guest's name, group size, arrival and departure dates, rental price, house rules, and responsibility for significant damage. This is not a complex legal document — it is simply a clear written record of what both sides have agreed.
  • Collect a refundable security deposit. A security deposit — separate from the rental payment — gives you a straightforward way to address significant accidental damage without immediately involving your insurer. Return it promptly once you have inspected the property and everything is in order.
  • Photograph the property before guests arrive and after they leave. Dated photographs provide clear evidence of the property's condition and can support any discussion with guests or an insurer if an issue arises.
  • Confirm the guest group. Knowing who is staying — the lead guest's name, the number of adults and whether any children are travelling — gives you a clear picture of the group and supports good communication throughout the stay.

Rental Agreement and Security Deposit Working Together with Insurance

A written rental agreement, a refundable security deposit and appropriate insurance cover are three layers of protection that complement each other. The security deposit can address minor accidental damage quickly and without formality. The rental agreement records the terms clearly. Insurance provides a broader safety net for more significant or unexpected events. Together they allow most homeowners to approach Ryder Cup week with confidence rather than anxiety.

A Note on Ryder Cup 2027 Timing

Ryder Cup 2027 takes place at Adare Manor, County Limerick, with the full event running from 13 to 19 September 2027 and match play on 17, 18 and 19 September. Most homeowners renting for the event will be looking at a stay of approximately five to ten nights. When speaking with your insurer, providing these specific dates helps them assess the arrangement accurately and provide a clear, relevant answer.

Shannon Airport — approximately 25 to 35 minutes from Adare Manor in normal traffic — is the primary international gateway for the event, and many visiting groups will arrive from the United States, the United Kingdom and continental Europe. Guest groups are typically adults travelling together for the golf, which is relevant context when discussing the letting arrangement with your insurer.

Frequently Asked Questions

Do I need to contact my insurer before renting my home during Ryder Cup 2027?

Yes — contact your insurer before the stay to confirm whether your current policy covers paying guests and whether any adjustment is needed.

Your standard home insurance policy may be written for an owner-occupied property rather than one with paying guests. Before confirming a booking for Ryder Cup week, contact your insurer and explain that you intend to let your home to a small group of adult visitors for a short event-related period in September 2027. Ask whether your existing buildings and contents cover extends to this arrangement, whether any endorsement or adjustment is required, and what it would cost. Requirements differ between insurers, so a direct conversation is the most reliable approach.

Is short-term rental insurance expensive for a one-week event let?

For a single short let, the adjustment or specialist policy cost is often modest and should be considered alongside the potential rental income for the period.

Many homeowners find that their existing insurer can extend or adjust cover for a short event-related let at a reasonable cost. If your current insurer cannot accommodate the arrangement, specialist short-term or holiday-let insurers operate in Ireland and offer policies designed for exactly this type of short paying-guest stay. Compared with the rental income a property can potentially generate during Ryder Cup week, the cost of appropriate cover is generally a sensible and proportionate expense.

Does a security deposit replace the need for insurance?

No — a security deposit and insurance serve different purposes and work well together.

A refundable security deposit is a practical way to address minor accidental damage quickly and without formality. It is separate from the rental payment and is returned promptly once the property has been inspected and everything is in order. Insurance provides broader cover for more significant or unexpected events — for example, structural damage, public liability, or incidents beyond the scope of the deposit. Using both alongside a clear written rental agreement gives homeowners a sensible and layered approach to property protection.

What if my current home insurer cannot cover a short-term guest let?

Consider approaching specialist short-term or holiday-let insurers who offer policies suited to short event-related lets in Ireland.

Not every standard home insurer offers extensions for paying-guest arrangements. If your current provider cannot accommodate the arrangement, an Irish insurance broker familiar with short-term let or holiday-let products can help you identify suitable specialist cover. These policies are designed for short residential lets and typically address buildings, contents and public liability together. A broker can help you compare options and find a policy suited to the duration and nature of a Ryder Cup event let.

Should I remove personal belongings before guests arrive?

Yes — securing personal items before arrival is a sensible practical step that complements your insurance arrangements.

Before Ryder Cup guests arrive, move personal documents, medicines, jewellery, cash, sentimental items and irreplaceable belongings to a locked room, cupboard or external storage. This reduces both the likelihood of any issue and the scope of a potential insurance claim. Items remaining in the property — such as furniture, appliances and kitchen equipment — should be noted in a short inventory with photographs taken before arrival, so that the property's condition is clearly recorded from the outset.

Do I need to tell my mortgage lender if I rent my home for Ryder Cup week?

Check your mortgage terms directly with your lender — requirements vary between providers.

Some mortgage agreements include conditions about letting the property. Requirements differ between lenders, so it is worth checking your own mortgage terms or contacting your lender directly if you are uncertain. This is a straightforward question to ask and, for a short one-off event let, many homeowners find no significant obstacle. If in doubt, your lender or a financial adviser can give you a clear answer relevant to your specific circumstances.