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One key difference is that your holiday property may be unoccupied for long periods of time, so the risk of theft or damage increases. Plus, if you lend or let your second home out this may further limit your insurance options and potentially a landlord policy would be more appropriate. Taking home insurance on a second property isn’t just a case of taking a second policy – for example, many homes aren't covered by insurance if they’re unoccupied for more than 30 days.
If you’re one of the 5.2 million people in the UK who own a second home, it’s a good idea to understand the types of risks you might like to insure against.
Add other extras, as you would with a normal house insurance quote. You might choose home emergency cover, which gives you a number to call if you urgently need a plumber or other expert. You could also add legal assistance – this protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.
We make it easy to compare home insurance with options on buildings and contents, or everything together in one package. 89%* of customers found our prices competitive or very competitive, and 87%** found the experience easy or very easy.
If you let out a property as a holiday home, typical home insurance might not be appropriate and you may want to take out landlord insurance. Landlord insurance is designed to protect you, your property and any holidaymakers who rent it out in the event of any accidents or damage. Cover can range from protecting the actual building and its contents, to rent protection if you can’t let out the property due to damage. See more on landlord insurance.
While you can’t compare holiday home insurance for properties abroad with us, there are companies that offer it. You can choose a local company or a UK company specialising in international properties. If you aren’t fluent in the local language, it’s very important to choose a company that provides the policy documents in English and offers an English-speaking call centre if you need to make a claim.
We make choosing and buying holiday home insurance straightforward. And the good news is there are now many more providers that arrange policies for second home insurance and holiday let insurance. So, you should find plenty of choice with competitive prices. But don’t look at price alone – check out the features of the policy to make sure it’s right for you. Don’t forget too, you can also change the voluntary excess (the amount you pay if you need to make a claim) because that could make the policy cheaper. However, make sure it’s affordable should you need to make a claim.