Holiday home insurance is a specialised policy designed to protect properties that are used as holiday homes. It covers risks such as theft, fire, storm damage, and liability, providing peace of mind whether the property is occupied or vacant.

Insuring a holiday home differs from insuring your regular home as standard home insurance policies are not suitable for holiday homes and will not provide the right level of coverage. This is because holiday homes are often left unoccupied for more than 30 consecutive days, increasing the risk of theft, weather, or water-related damage. Additionally, if you rent out your holiday home to paying guests, there is an increased risk of damage or injury.

Several factors influence the cost of Holiday Home Insurance, including the property’s location, type, security measures, risk of flooding or subsidence, the level of coverage required, and the insurer’s assessment of your likelihood to claim. For buildings insurance, the premium is based on the rebuild value, while contents insurance is calculated based on the replacement cost of your belongings. Additional coverage options, such as accidental damage and legal expenses insurance, may incur extra costs.

When comparing Holiday Home Insurance quotes, prioritise the most suitable level of coverage for you over the cheapest option.

Holiday Home Insurance is not legally required in the UK. However, if you have a mortgage on your holiday home, your lender will likely require you to have buildings insurance. Even if you own your holiday home outright, it is advisable to protect your property with insurance. Without coverage, you would be responsible for any loss or damage. Similarly, while contents insurance is not mandatory, it is recommended to include it in your policy to safeguard your possessions.

Yes, our Holiday Home Insurance policies offer coverage for contents inside the home. This can include furniture, electronics, and personal belongings. Be sure to check your policy details to understand the extent of coverage.

You can reduce the cost by installing security features such as alarms and CCTV, choosing a higher excess, and maintaining a no-claims history.

If you need to make a claim, contact us as soon as possible. Provide us with all necessary details and documentation, such as photos of the damage and a police report if applicable. Follow our instructions to ensure a smooth claims process.

It’s a good idea to review your policy annually or whenever there are significant changes, such as renovations or changes in usage. This ensures that your coverage remains adequate and up to date.