Holiday Home Insurance
Get cover for your holiday home in the UK
Cover is available for:
- Holiday Lets
- 2nd Homes
What is holiday home insurance?
Holiday home insurance is similar to normal household insurance except for one key difference, that it can cover your property when it is unoccupied for long periods of time.
You may also lend or let your holiday home out which again makes it a different risk to a standard home insurance property.
Can’t I just take out a normal household property for my holiday home?
No, as your property is likely to be unoccupied for more than 30 consecutive days most standard home insurance policies will exclude cover. So, you will need to take out a specialist holiday home insurance cover.
Also, if you let out a property as a holiday home, a typical home insurance won’t be appropriate as perhaps the property is unoccupied for long periods or the home owner doesn’t live at the property.
If you rent out your holiday home
Holiday let insurance is a specialist form of cover for anyone who rents out their holiday home.
A holiday let insurance policy should protect you against accidental damage and offer public liability cover so that you have peace of mind when welcoming paying guests
Holiday let insurance is designed to protect you, your property and any holidaymakers who rent it out in the event of any accidents or damage.
What do I need to think about when buying holiday home or Holiday let insurance?
It is also worthwhile considering installing extra security precautions such as a burglar alarm as holiday homes are generally empty more often than normal homes, they could be more likely to be broken into.