In most cases, yes. Holiday home insurance tends to be more expensive than standard home cover, because the risks are higher. Holiday homes are often left unoccupied for long periods of time, which increases the risk of theft and damage. Further to that, holiday homes are usually used as rental properties with various different tenants staying at any one time. This adds risks such as public liability claims, accidental damage, and added contents cover, which could increase the cost of insurance premiums.