Cheap holiday home insurance quotes for properties in the UK and abroad with Intasure
Holiday home insurance will cover you for any nasty surprises – like your rustic country cottage springing a leak, or your modern townhouse attracting burglars.
Whether your vacation retreat is a trip down the M4 or a ferry ride across the channel, holiday home insurance will help you get any problems sorted fast, with the support of an insurer.
As standard, your insurance will cover repairs or rebuilding if your holiday home falls victim to things such as a fire, serious storm, or flooding. You can combine your buildings insurance with contents insurance, to cover your belongings too.
It varies from policy to policy but might include:
Your holiday home may not be covered if:
A standard home insurance policy is unlikely to be suitable for a holiday home as most insurers exclude properties left empty for more than 30 days a year.
Dedicated holiday home policies can cover buildings, contents and more specialist requirements.
Keep a sharp eye on the ‘exclusions’ part in the small print of holiday home policies, just to be safe.
If you’re renting your holiday home out, you should look at policies that include a few specialist benefits.
Check that your cover includes cover for loss of rent, accidental damage and alternative accommodation.
You should also take out public liability protection to fund legal costs and expenses if a guest gets hurt in your holiday home, as well as employer’s liability cover for legal costs and expenses if employees, such as cleaners or cooks, get hurt while on the premises.
Simply pop in a few details. Here’s what you’ll need:
Property number, address, property type and the year it was built
Do you need buildings insurance or buildings and contents, and when do you need the cover to start?
Let us know your contact details and your current correspondence address
Any other little details about you or the property
Check out these eight ways to lower your premiums.
It’s often cheaper to pay for the year in one lump sum, if you can afford it, than paying monthly
If you need both, it can be cheaper and more convenient to deal with just one insurer
Choose a higher voluntary excess to lower your premium – but make sure you can afford it if you do need to claim
Use our handy contents calculator to find out exactly how much your belongings are worth
Fitting a smoke alarm on every floor could benefit you when it comes to finding a great deal on your insurance
Make sure you have adequate locks installed on your doors and windows
Keep your holiday home properly maintained to reduce your chance of a claim being rejected
Shop around to get the best price possible for your policy
Many people buy second homes in the UK, thanks to our thriving tourist industry, and it’s often seen as a smart investment that’ll pay off one day.
This is why it’s important to check your insurance covers accidental damage, break-ins and general building risks like storms or fires.
Holiday chalets are gaining popularity in UK seaside towns and can be a great investment for you and your family.
Make sure you have insurance protection, even when your chalet is unoccupied, as well as cover for hot tubs and outbuildings.
Overseas holiday homes are often left unoccupied for long periods of time, so make sure you have buildings and contents insurance that protects your property against damages.
Whether your holiday home is in France, Spain, Cyprus or even further afield, make sure you get some peace of mind with insurance that’ll provide emergency travel, as well as an insurer that can help oversee any repairs if you can’t make it out there.
Could you afford to lose it or repair significant damage? If not, you should insure your holiday home abroad from any accidental damage with buildings insurance and consider contents insurance too. Try not to leave any valuables in your holiday home when you leave it unoccupied for long periods of time.
It depends on each policy, each provider and what your specific requirements are.
Buildings insurance should cover the cost of rebuilding your holiday home, including any outbuildings. If you decide to get contents insurance too, you should have enough insurance to replace all the items in each room.