How is insuring a holiday home different from insuring my permanent home?
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 might 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 a standard home insurance policy if they’re unoccupied for more than 30 consecutive days.
Frequently asked questions
What do I need to think about when buying holiday home insurance?
If your holiday home is mortgaged, you’ll probably need to have buildings insurance to keep your mortgage company happy. But even if you own it yourself, you might want this type of cover in case of fire or other incidents. Make sure the value of the policy is enough to cover the cost of rebuilding your home. We can help you work out rebuild costs accurately when you start comparing.
If you leave furniture, utensils, TVs or prints on the wall, you should probably have contents insurance too. Think about how much it would cost to replace all the items in each room, including carpets, curtains and kitchen items. We've got a useful calculator to help you work this out accurately.
Your holiday home may be at risk from storm damage to the roof, break-ins and burglaries, or accidental damage. Standard policies will usually cover you against theft or break-ins, but you might have to add accidental damage cover as an optional extra.
Because holiday homes are generally empty more often than normal homes, they could be more likely to be broken into. Consider installing a burglar alarm or other security precautions that may help with getting insurance.
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.
What if I rent out my holiday home?
Holiday let insurance is a specialist form of cover for anyone who rents out their holiday home. A holiday let insurance policy should protect you against accidental damage and offer public liability cover so that you have peace of mind when welcoming paying guests.
If you let out a property as a holiday home, typical home insurance might not be appropriate – perhaps the property is unoccupied for long periods or the home owner doesn’t live at the property. That’s why you need holiday let insurance, which is designed to protect you, your property and any holidaymakers who rent it out in the event of any accidents or damage.
While you can’t compare holiday let insurance with us, there are insurance providers that offer it.
Holiday let insurance for properties overseas
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. And don’t look at price alone – check out the features of the policy to make sure it’s right for you.