Listed holiday home insurance
Is your listed holiday home properly protected?
A holiday home can be a profitable investment with a high return, especially if it’s located in one of the UK’s holiday ‘hotspots’ like Devon, Cornwall, the Lake District or the South Coast. Managed properly, it can deliver year-round revenue and a steady income. However, there is plenty to think about before you rent your home out to paying guests or buy a listed property as your own private holiday home. That includes making sure you have suitable insurance, which can be especially important if you have a Grade II listed property.
As the owner of a listed home, you already understand the importance of protecting your valuable asset. At Intasure we want to make it easy for you to get adequate protection combined with flexibility to insure you against loss and damage.
From cover that will help you pay for a listed property rebuild to covering outbuildings, swimming pools and hot tubs, our insurance for Grade II listed holiday homes can give you peace of mind and the reassurance that your investment has protection.
A sales team at the end of the phone
If you have any questions about your listed building holiday home insurance, we’re just a phone call away. The Intasure policy offers a host of benefits, but one of the key advantages is our 15 years’ experience in home insurance. We’re here to help resolve problems and answer your questions about holiday home insurance for listed properties.
How much cover do I get*?
Grade II listed home insurance is designed to recalculate the rebuild value for most properties. So on average, you’ll likely find policies have a blanket cover of up to £1million. There are exceptions to this, such as properties built before 1850 or those with more than 10 bedrooms.
Insurance for Grade II listed holiday houses can also include cover for other parts of your property, such as outdoor swimming pools and hot tubs.
If you have detached outbuildings (that are not used for holiday rents) then we can add an additional cover to ensure it is included in the rebuild clause to your policy. If you have a conservatory on your holiday cottage we can cover that up to a certain limit under rebuilding costs too.
What if it’s not rented out all year round?
We understand that this is a holiday home and there may be times when the property is left empty for a longer time period. There are generally certain provisions for insurance for Grade II listed holiday homes that are not occupied all year round.
One provision may be that your holiday home does have to be occupied at least once during the year, and be in a habitable state and furnished to qualify as a holiday house. If you have any questions about the regulations regarding occupancy, please don’t hesitate to call our team.
What type of listed buildings are covered?
We cover a wide range of cottages and houses with our listed building insurance cover, including private dwellings granted Grade II or Grade II* status. In Scotland, we can cover buildings granted B and C status.
Listed buildings include those classified as Standard construction, as well as: