Holiday Home FAQs

Holiday home insurance isn’t mandatory. That said, most mortgage providers ask you to get buildings insurance at a minimum. However, this is usually basic cover, and only provides protection against damage to the structure of your buy-to-let. This could leave you vulnerable to financial costs if something else goes wrong, whether that’s theft, damage to

The biggest difference between a holiday let and a second home is the amount of time spent there. Second homes are technically another residence which you plan to occupy for certain times during the year. You may still let it out occasionally, but you spend much of the year there too. A holiday home is

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

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

Our standard cover is available for holiday homes left unoccupied for up to 60 days. After 60 days, cover will be restricted. It’s important to let us know if your property is unoccupied, to help ensure you have suitable cover in place.

When reviewing home buildings insurance packages, you should ensure that the total 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

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

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. Having suitable cover in place, can help protect your possessions in

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