Holiday Home Insurance
Protect your property in the UK and abroad with holiday home insurance.
Do you own or are you considering buying a holiday home or an additional property for frequent visits? If so, we understand the appeal. Whether it’s for weekends away with the family or a base for friends to pop by to, second homes open up opportunities. However, you may also want to consider putting appropriate safeguards in place. With holiday home insurance your property can benefit from added protection against damage, theft and other risks.
At Intasure, we offer holiday home insurance in the UK and across more than 20 countries and territories throughout the EU and beyond. Speak to us today about securing cover for a variety of property types – from luxury villas to apartments, barns and chalets.
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.
Unsure what cover you may need?
Speak with one of our holiday home insurance specialists, and we’ll help you secure cover which helps protect your property for a variety of eventualities. So, if an insured claim does arise you can rest easy.
What does 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.
Policies are broken down into buildings and contents cover, and each side protects a different aspect of your property.
Buildings insurance protects any permanent structure within the grounds of your holiday home, covering:
Contents insurance protects your household goods, fittings and personal property, including:
What properties does your holiday home insurance cover?
Whether your property is in the UK or abroad, we can supply holiday home insurance for an extensive range of property types, including:
- Holiday Lodge & chalet insurance in the UK
- Holiday Chalet insurance abroad
- Caravan insurance
- Log cabin insurance
- Listed holiday home insurance
- Holiday cottage insurance
- Holiday let insurance
We’re here to help you take care of your investment with insurance cover for your holiday home. Talk to our experienced staff today, to arrange a policy that fits your property.
Which countries are covered by holiday home insurance?
You shouldn’t feel restricted when buying a second home. This is a chance for you to secure your dream holiday home, after all! That’s why we’ve extended our holiday home insurance to cover more than 40 countries and territories across the EU and beyond, covering many popular British tourist destinations. What’s more, our customer service is handled by a UK based, English-speaking support team, so you’ll always feel right at home.
You’ll find that our holiday home insurance abroad covers some of the most common British tourist destinations, such as France and Spain. Looking to go somewhere further afield? We also offer policies for exotic locations, such as Turkey and the UAE. Here’s our complete list of destinations:
- UK (England, Wales, Scotland, Northern Ireland, Guernsey, Jersey & Isle of Man)
Why choose Intasure?
Some of the benefits of taking out a holiday home insurance package with Intasure include:
Our service is built on simplifying how you take out cover, eliminating any complications where possible. How? Well, one way is by ensuring that whether your holiday home is in the UK or abroad, you’ll always deal with English-speaking representatives. Intasure will support you from day one through to renewal, making any modifications along the way and handling claims.
Holiday home insurance FAQ’s
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.
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.
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.
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.
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.
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.
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.
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.
Intasure Customer Reviews
Get an insurance quote for your holiday home today or contact our UK team on 0345 111 0680 for more information.
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.
View and download Insurance product information document:
Holiday home insurance, View and download policy wording:
View and download policy:
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Wording – Click here