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Are you thinking about buying a holiday home in Germany?

If so, you’ll want to consider holiday home insurance that can meet the requirements of your property and location.

From the bustling city of Berlin to the sprawling vistas of Bavaria, every region in Germany has a distinct charm. Searching for tranquillity? Head to the Black Forest. Got an appetite for some après-ski? Oberstdorf boasts some of the best slopes in Europe. In any case, buying a second home in Germany is the perfect way to satisfy all manner of holiday preferences.

Intasure has various forms of optional covers available, in addition to our specialised holiday home insurance policy, ready to help keep you safe whether you’re travelling to a city apartment, ski chalet, or sleepy cottage. To find out more, click the button below or give us a call.

What is German holiday home insurance?

German holiday home insurance is similar to the cover held on a primary residence. For instance, you’ll get buildings and contents insurance as standard, to protect your property’s structure and belongings. However, there are some key differences. Holiday homes are typically left unoccupied for prolonged periods. As such, you may want a policy that keeps your home safe when you’re not there.

What does German holiday home insurance cover?

German holiday home insurance covers loss and damage to your property’s structure, including fixed fittings and belongings housed inside. In addition, because many holiday homes in the warmer regions of Germany feature swimming pools and outbuildings, our insurance can ensure they too are protected. We can also insure against natural disasters —for many a critical aspect of cover if, for example, the region is prone to floods.

Theft is a concern for any homeowner who regularly leaves their property unoccupied. So, it should come as some relief to know that an Intasure policy can protect your assets if theft or damage occurs. Are you planning on renting your holiday home out to guests? If so, our liability cover of up to £5m comes as standard, helping to safeguard you against various third-party risks, more on this below.

Buildings and Contents Insurance

It’s called ‘buildings and contents insurance’, but there’s much more to this cover than meets the eye. For instance, we can include money protection, which safeguards cash up to £250 stored inside your property. You can also extend this insurance to paying guests, should they lose money due to theft on your premises.

Here’s a short overview of what else our buildings and contents cover offers:

  • Damage to building or contents due to natural disasters, such as falling trees, floods, or fires.
  • Escaped water, sewage, or oil from household appliances, such as washing machines and dishwashers.

  • Theft of personal property, money or valuables.

  • Optional accidental damage to household goods such as carpets and sanitary fixtures.

  • Loss or damage caused by electrical power surges.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Public Liability Cover

Despite your best efforts to vet guests, there’s always a risk to renting. That’s why public liability cover could prove valuable. We offer liability cover up to £5 million as standard, covering costs associated with loss or damage to a Third Party property, causing a bodily injury, or illness of a domestic employee which you could be held legally liable for. This cover can help protect your finances should a compensation claim arise.

Emergency Travel Costs

We understand that it’s only natural to want to resolve issues right away when the unexpected happens. However, travelling to Germany at the drop of a hat may not be cost effective. That’s why our holiday home cover aims to reimburse travel costs you incur following an insured claim.

Loss of Rent Cover

Damages that render your property unusable could interfere with rental schedules and expected earnings. That’s why loss of rent cover exists. It can give you financial aid in instances where confirmed bookings can’t go ahead due to an insured claim taking place that makes the property uninhabitable.

Unoccupancy Cover

If you’ve got a break in rental bookings or you can’t get to your property, don’t worry, you’re still covered. Our unoccupancy cover can protect your holiday home, including for up to 60 days for loss of metered water or oil when no one is there.

What property types can I cover?

We can cover a range of holiday homes, so you won’t feel restricted when searching for your perfect property. These include:

  • Flats and apartments.
  • Lodges and chalets in the German Alps.
  • Houses or bungalows.

How much does German holiday home insurance cost?

That depends on several factors, including:

  • Location – a property located in a popular area, such as a city centre or next to ski slopes, may attract higher premiums.
  • Size – large properties are more likely to have higher premiums.
  • Age – new properties or buildings in good condition are considered less risky and may therefore have lower premiums.
  • Contents – properties that have high-value items inside typically have higher premiums.

Why choose Intasure?

There are several reasons to buy holiday home insurance with Intasure, including:

  • Specialist knowledge of insuring properties in Germany.
  • Bespoke policies with optional levels of cover.
  • Up to £1 million buildings cover and £5 million public liability.
  • Loss of rent cover for periods of unoccupancy following an insured claim.
  • Emergency travel, making it easier to rectify issues abroad.
  • Optional limited cover for swimming pools and outbuildings.

Alongside broad policy protection, you’ll have our friendly customer service at your disposal. Our team are UK-based English speakers who are always on-hand to arrange cover, make policy amendments, and process claims.

German Holiday Home Insurance FAQs

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.

How do I make a claim?2022-03-04T12:21:34+00:00

To make a claim, contact our UK claims hotline today on +44 (0)345 111 0672

Do I need holiday home insurance to rent out my German property?2022-03-04T12:21:55+00:00

Renting out your holiday home is a great way to earn a steady stream of additional income, whether during peak seasons or over the long term. In any case, you may want an insurance policy that protects you against the risks associated with housing guests, especially public liability cover. However, this isn’t a legal requirement.

Do I need both buildings and contents insurance for my holiday home in Germany?2022-03-04T12:22:14+00:00

You aren’t legally required to take out holiday home insurance in Germany. However, some mortgage lenders require that a buildings policy be in place. Likewise, contents cover isn’t mandatory, but it could prove essential should a disaster arise.

Intasure Customer Reviews

For more information on our policies get in touch with our customer services team today!

*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

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