Are you planning on purchasing a second home? Or are you a seasoned landlord with a property portfolio? Whatever the case, you’re in the right place to find cover for your property. At Intasure, we offer second property insurance cover across Europe for various structures, from holiday homes to caravans.
Do you own an apartment complex or a listed home? We can insure them too! Speak to our dedicated team today and get a quote when you call 0345 111 0680
What is property insurance?
Property insurance covers properties that aren’t used as a primary residence. It features a cover that can safeguard a home or premises from financial risks in the event of a disaster, which can include buildings and contents cover, unoccupancy cover, protection for landlords and more.
Therefore, having suitable property insurance is integral to helping to protect your investment.
What types of property insurance do we offer?
- Buy-to-let insurance – many people buy properties to renovate and let out for extra income. In these circumstances, buy-to-let insurance can help safeguard you from the many risks of being a landlord.
- Second home insurance – second home insurance keeps your property covered even when it’s unoccupied.
- Airbnb host insurance – Airbnb properties require specific insurance cover which our policies provide.
- Listed home insurance – listed homes are usually older and have restrictions on making changes. As such, listed home insurance accommodates the different rules governing the renovation and protection of listed homes.
- Landlords’ insurance – we offer a wide range of cover for landlords looking to protect their investments.
- Unoccupied property insurance – includes 60-day cover for loss of metered water and oil.
- Block of flats insurance – this cover is for freeholders managing multiple occupancy blocks.
- Mixed Use property insurance – this cover is for Mixed-use commercial and residential property.
- Unoccupied commercial property insurance – this cover is for unoccupied commercial buildings.
- Commercial property insurance – this cover is for many types of commercial property including schools and office blocks etc.
What does property insurance include?
As with standard home insurance, property cover is centred on protecting your buildings and contents*.
- Buildings insurance includes the dwelling, garages, and outbuildings.
- Contents insurance includes household goods, valuables, and personal belongings within the property.
These risks are protected against:
- Natural disasters – cover for damages caused by natural disasters such as lightning, earthquakes, and landslips.
- Accidental damage – protects against accidental damage caused by persons legally in the building.
- Theft – covers theft of stock, money, and technology, for example.
- Replacement locks – provides replacement locks if keys are lost or stolen.
- Water escape – protects against the escape of water or oil from any fixed or domestic installation following damage to the building.
Depending on the type of property you’re insuring, you can add additional cover to your policy. For instance, our block of flats policy includes financial support for residents that need alternative accommodation.
* Please refer to your policy details. Stolen key cover is an optional extra that you can include in your policy.
Why choose Intasure?
We’re a specialist property insurance provider offering insurance to safeguard properties throughout Europe. Our policies are tailored to the specific requirements of the properties they cover. For instance, our holiday home insurance policies are shaped by the features present in each unique property.
Some of the benefits of taking out insurance with Intasure include:
Our experience is hard-won from nearly two decades of delivering tailorable property insurance policies and optional levels of cover. So, get a quote today by calling our friendly team on 0345 111 0680 or clicking the below button.
Property 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.
The price of property insurance depends on your policy and the extent of cover. Several factors determine your premium, which include:
- Location – properties in high-demand areas attract higher premiums.
- Size – a large block of flats is costlier to insure than just one flat.
- Age – older properties are typically more expensive to insure.
If you rent a holiday home, public liability insurance could be helpful. It can protect you from compensation claims that can sometimes run into the tens of thousands. Liability cover can also safeguard your company’s finances and reputation if a third party brings charges against you.
Depending on the property you own, insurance may be a legal requirement, for instance building insurance can be a requirement to take out a mortgage.
However, even if property insurance isn’t legally required for your home, it’s very much worth considering. For instance, the costs arising from a reckless guest or natural disaster could cripple your finances if protection isn’t in place.
Intasure Customer Reviews
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.