Various factors affect the price that insurers quote for holiday home insurance. The following factors will shape the premium you are quoted:

  • Location – beachside, ski resort, and city centre properties cost more to insure than properties in lower-demand areas.
  • Size – large properties attract higher premiums than smaller properties. In addition, villas and homes with outbuildings can also increase costs.
  • Age – well-maintained new builds are typically less expensive to insure than older properties.
  • Contents – housing high-value items in your French holiday home can affect the premium you pay.