Holiday Home Insurance

Protect your property in the UK and abroad with holiday home insurance.

What is holiday home insurance?

Holiday home insurance (also referred to as second home insurance) covers an additional property that isn’t used as a full-time or main residence. Like standard home insurance, it’s a policy that includes buildings and contents cover. This is an important consideration regardless of whether your property is based in the UK or overseas.

Policy details can vary depending on your property type and how you plan to use the property. Holiday let insurance, for example, contains clauses specific to a property that is let on short-term rentals and long-term rentals.

Likewise, property insurance requirements for log cabins may differ to those for an old brick cottage, for instance, due to structural and locational differences.

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Why insure with us?

Our service is built on simplifying how you take out cover, eliminating any complications where possible. Intasure will support you from day one through to renewal, making any modifications along the way and handling claims. Some of the benefits of taking out a holiday home insurance package with Intasure include:

Building insurance cover of £1 million.
Public liability cover of up to £5 million included as standard.
Cover whether occupied or unoccupied.
Emergency travel after an insured claim.
Loss of rent included following an insured claim.
English speaking support no matter where your property is insured.

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What does my holiday home insurance cover?

Intasure holiday home insurance policies cover loss, theft or damage to your property’s building and contents. Similarly, our policies feature public liability cover, which protects your holiday home against insured claims relating to compensation or injury.

Buildings Insurance
Damage to buildings due to natural disasters such as lightning, earthquake (Dependent on risk location), or fire.
Contents Insurance
Loss or damage to contents due to natural disaster.
Property owner’s liability insurance
Physical loss or damage caused by smoke, riot, malicious damage, storm, flood, hail and avalanche.
Loss of rent
Cover for theft, which you can extend to cover guests.
Rent guarantee
Escape of water, sewage or oil from household fixtures.
Accidental Damage
Accidental damage to household fittings including sanitary fixtures, glass tops & ceramic hobs.

Intasure holiday home insurance policy benefits

Buildings Insurance
Damage to buildings due to natural disasters such as lightning, earthquake (Dependent on risk location), or fire.
Contents Insurance
Loss or damage to contents due to natural disaster.
Property owner’s liability insurance
Physical loss or damage caused by smoke, riot, malicious damage, storm, flood, hail and avalanche.
Loss of rent
Cover for theft, which you can extend to cover guests.
Rent guarantee
Escape of water, sewage or oil from household fixtures.

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Compare our coverage

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	Intasure	Competitor A
Column 1 Value	X	x
Column 1 Value 2	Y
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Policy documents

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Holiday Home product information

Holiday Home insurance policy wording

Holiday Home Insurance legal key facts

Holiday Home Insurance legal wording

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Holiday Home Insurance FAQs

Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

How much does holiday home insurance cost?

The cost of holiday home insurance varies depending on several factors, including:
The location of your property – for example, if it’s in a place where flooding is likely, you would expect to pay higher premiums.

The size of your property – typically, you’d expect to pay higher premiums for a large mansion or villa and lower premiums for a small apartment.

The age and upkeep of the property – a policy for an old property with dated electrical systems or leaks is likely to incur higher costs than a modern, new-build home.

The value of your contents – consider keeping your holiday home free from luxury items and expensive belongings, if possible.

The cost of potential repairs – if the exterior or interior of your home is damaged, the cost to rebuild or repair affects your insurance premiums. We calculate this when drafting your policy, so higher potential repair costs may lead to higher premiums.

How much cover do I need for my holiday home?

When reviewing home buildings insurance packages, make sure that the cost of repairing partial damage or rebuilding your holiday home is covered.

This should include the structure of the building and any permanent fixtures and fittings, including bathrooms. Also, be sure to check that external buildings are covered, such as swimming pools, summer houses, and sheds. Our policies offer up to £1 million BSI (building sum insured) cover.

Holiday home contents insurance typically covers the cost of your household furniture, belongings, and valuables (jewellery, electronics, etc.) if they’re stored in your holiday home or any outbuildings. Please be advised that contents left in vehicles are excluded. A good rule of thumb: “contents” are any personal property removed from a second home when sold.

Holiday home insurance vs home insurance – what’s the difference?

While it might be tempting to use standard home insurance to try and protect your second property, it may not be designed to cover the risks associated with owning a second home. These are generally two completely different policies, and as such, you may want to consider cover that’s bespoke to holiday home insurance. That way, if something unexpected does happen, you’ll be assured that the things that matter most to you can be covered following an insured claim.

Do I need public liability insurance for a holiday let?

While public liability insurance for a holiday let isn’t a legal requirement, it’s typically added to cover as it could protect you from legal costs arising from guests who experience injury, disease, illness, or death during their stay in the event of an insured claim.

The word “liability” is important here; if you are considered negligent, you could be liable to pay your guests’ costs. For example, your guest might experience an electric shock as a result of poor wiring. Or perhaps even fall due to a poorly maintained floor . In any case, public liability protection from Intasure acts as a safeguard, helping to cover costs arising from injuries.

Do I need holiday home insurance for holiday rentals?

One way of making an income from your second property would be letting it out for short or long-term lets whilst you are not using it.

Depending on your property’s location, you could see a considerable return on your investment, especially during peak season. Just remember to declare any income to HMRC.

If you do let out your property, it’s first worth considering the additional risks associated with renting out to guests, even if they’re family and friends. Need some more help? We can arrange holiday rental insurance and appropriate liability cover to help protect your home during rental periods.

Do I legally need holiday home insurance?

While holiday home insurance isn’t a legal requirement in the UK, some mortgage lenders may require you to take out a policy that includes buildings insurance.

In addition, while contents cover isn’t mandatory, you may want to carefully consider including it in your policy. With suitable cover in place, you can protect your possessions in the event of damage or theft. The inconvenience alone of not having an adequate level of cover, can make it worth adding that extra level of protection, so that you can enjoy your downtime in peace.

Can I leave my holiday home unoccupied?

Our holiday home insurance policies cover properties left unoccupied for up to 60 days. This means that if you’re away from your holiday home for 60 consecutive days or more, loss and damage isn’t covered. For context, many competing policies have a stricter 30-day limit.