Protect your second property with holiday home insurance in Germany
From the bustling city of Berlin to the sprawling vistas of Bavaria, you may find many regions in Germany have a distinct charm. Searching for tranquillity? Head to the Black Forest. Got an appetite for some après-ski? Oberstdorf has some fabulous slopes. In any case, buying a second home in Germany can be a great way to satisfy all manner of holiday preferences.
Intasure can provide a specialist holiday home insurance policy, whether you own a city apartment, ski chalet, or cottage.
What is German holiday home insurance?
German holiday home insurance is similar to cover for a main residence. For instance, you can get buildings and contents insurance to protect your property’s structure and belongings. However, there are some key differences.
Holiday homes can be left unoccupied for prolonged periods. As such, you may want a policy that helps to protect your home against the risks its exposed to when you’re not there.
What does German holiday home insurance cover?
German holiday home insurance can cover loss and damage to your property’s structure and belongings housed inside. In addition, because holiday homes in the warmer regions of Germany can feature swimming pools and outbuildings, our insurance can ensure they are also protected.
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.
Buildings and contents cover
Whether your property’ structure is damaged or the contents inside are stolen, our buildings and contents cover can help with such situations.
Intasure offers protection from the following risks:
Public liability cover
Letting your holiday home in Germany can be an excellent way to earn extra income. However, it doesn’t come without risks. As such, we can offer public liability cover of £5 million cover as standard for insured public liability claims. This cover offers protection in cases such as a guest suffering bodily injury whilst staying in your property, or if damage is caused to a third party property.
Emergency travel costs cover
We can cover emergency travel costs if something disastrous happens to your holiday home while you’re out of the country.
Alternative accommodation cover
Following an insured incident, we also provide alternative accommodation if your property is rendered uninhabitable.
Loss of rent cover
Following an insured incident, we offer cover for loss of rent if you can’t let out your property due to damage.
Unoccupancy cover
Unoccupancy cover can help to relieve worries about your property when you’re out of the country. Subject to policy terms and conditions, we can cover your property year-round if you visit weekly, monthly, or just for a couple of weeks a year. For example, small issue like a leaky tap when you’re not there turning into escape of water can still be covered even when you’re not staying at the property.
What property types can Intasure cover?
We can cover a range of property types when it comes to holiday homes in Germany, including:
- Flats and apartments
- Lodges and chalets in the German Alps
- Houses or bungalows
German holiday home insurance FAQ
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.
Our mission as second home insurance specialists
We comprise of an in-house team of sales, renewals, customer service, claims, and underwriting specialists. Our aim is to help you find property insurance that suits your needs.
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Specialist second home insurance from Intasure
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