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:

  • Damage to buildings or contents

    due to natural disasters, such as flooding and fires

  • Escape of water or oil

    of household contents

  • Theft

    of personal property, money (up to £250), and valuables

  • Accidental damage

    to household goods, carpets, and sanitary fixtures

  • Loss or damage

    caused by electrical power surges

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

Why choose Intasure?

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

  • Customers can tailor insurance to their needs with optional covers

  • Up to £1 million buildings cover and £5 million public liability cover

  • Cover for short and long-term lets

  • Cover whether the property is occupied or not, for up to 60 days

  • Emergency travel costs for insured claims

  • Loss of rent cover following an insured claim

  • Alternative accommodation costs for insured claims

Policy documents

View and download policy documentation

Need some help?

Call us on 0345 111 0680

Monday – Friday 9am – 7pm

Monday – Friday 9am – 5pm

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.

This can depend on several factors, including:

  • The property location – for example, areas with a bad crime rate can result in higher premiums
  • The property size – larger dwellings can have higher insurance costs
  • The property age – newer properties and those well maintained can cost less to insure
  • Your property contents– if there are many expensive items in your home, you might pay a higher premium

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

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

It’s worth considering buildings and contents holiday home insurance in Germany, to help protect your second home. Some mortgage lenders require that a buildings policy be in place. Neither buildings cover nor contents cover are mandatory, but they could prove a useful financial safety net.

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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*correct as at January 2024

Specialist second home insurance from Intasure

Learn more about the cover our products provide:

Buildings and contents insurance suitable for holiday homes let via Airbnb.

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Protection for your holiday home when it’s let to paying guests.

At Intasure, we can provide an insurance solution for expat homeowners.

Our cover is available for static caravans in the UK and overseas.

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