Renting Out Your Period Property for the Ryder Cup 2027? Your Insurance Checklist
Posted 13/11/2026
With the Ryder Cup returning to Ireland at Adare Manor from 17 to 19 September 2027, homeowners across County Limerick and the surrounding areas may be considering renting out their properties to golf fans travelling for the tournament.
For owners of period properties and protected structures, this could be an opportunity to earn additional income while demand for accommodation increases. However, before accepting a booking, it is important to check that your insurance is suitable for the proposed letting.
Our Associate director, Ben Redmond explains, the tournament presents an exciting opportunity for homeowners and local businesses, but those considering letting their properties should start looking at their arrangements well in advance.
"Having the Ryder Cup return to Ireland for the first time in over 20 years is fantastic. It will bring a great buzz not just to Limerick, but the wider Munster region and plenty of new opportunities to local businesses including homeowners wishing to rent their home during the tournament. For those considering letting their home on a short-term basis, particularly owners of period properties, I would encourage you to explore your options early as the change in use of your home, coupled with added responsibility to your guests, means there may be more to do than simply calling your current insurer in advance."
Period properties can have original architectural features, traditional building materials and valuable contents that need particular attention if damage occurs. Even a temporary change in how your property is used can affect your existing insurance.
If you are planning to welcome Ryder Cup visitors into your home, here are five things to check before confirming your booking.
1. Check your existing insurance
Your standard home insurance may not cover paying guests, even if you are only letting your home for the Ryder Cup weekend.
- Check whether your policy allows short-term letting.
- Speak to your broker before accepting a booking.
- Find out whether additional or alternative cover may be needed.
2. Consider your property’s historic features
Period homes can have original features that are difficult or costly to repair, including sash windows, traditional fireplaces and decorative plasterwork.
- Check that your buildings insurance reflects the nature of your property.
- Understand how damage to original features would be handled.
- Tell your broker if your property is a protected structure.
3. Review your valuables
If guests will be staying in your home during the tournament, consider the antiques, artwork, jewellery and other valuable possessions that will remain there.
- Check whether your contents insurance covers the proposed letting.
- Review the cover for valuable items.
- Consider secure storage for certain belongings and check whether they remain insured elsewhere.
4. Prepare your property for guests
With visitors staying in your home, it is worth considering how they will access and use the property and its grounds.
Director Mark Hewlett notes that letting a property to paying guests brings additional responsibilities for homeowners, particularly around safety and maintenance.
"Property owners need to be aware that there is a much higher duty of care when a property is let to the public, which is why mainstream insurers may not be able to provide commercial cover.
"The higher duty of care means that any property used for short or long-term letting must be safe, secure, well maintained and have adequate fire detection facilities."
- Check locks, alarms and fire safety arrangements.
- Make guests aware of any areas they should not access.
- Consider outbuildings, gardens, swimming pools and other features.
- Check whether any additional insurance conditions apply.
5. Speak to a specialist broker before the tournament
Ryder Cup bookings may be arranged well in advance, so it is worth reviewing your insurance before committing to a letting. Explain how long you intend to rent out your home, how many guests you expect and which areas they will use.
This will help establish whether your existing insurance is suitable or whether other cover may be needed, giving you time to address any requirements before guests arrive.
Planning to let your period home for the Ryder Cup?
We specialise in insurance for period properties and protected structures across Ireland. We understand that historic homes can have different requirements from modern properties, particularly when it comes to original features, traditional construction and valuable contents.
If you are considering letting your home to Ryder Cup visitors in September 2027, our team can discuss your property, your existing insurance and your proposed rental arrangements to help establish what cover may be appropriate, subject to policy terms and availability.
Contact Irish Heritage Insurance before accepting a Ryder Cup booking to discuss your period property and its insurance requirements.
