Holiday home insurance

Cheap holiday home insurance quotes for properties in the UK and abroad with Intasure[1]

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What’s holiday home insurance?

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.

What’s covered?

It varies from policy to policy but might include:

  • Buildings and contents cover
  • Emergency travel
  • 24-hour emergency helpline
  • Personal possessions cover

What’s excluded?

Your holiday home may not be covered if:

  • It’s let for an extended period of time
  • Guests steal from you
  • It has solar panels

Get an insurance quote today and keep your holiday home and belongings safe

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Why can’t I buy normal home insurance?

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.

Can I rent the property out?

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.

What do I need to get a holiday home insurance quote?

Simply pop in a few details. Here’s what you’ll need:

  1. Your holiday home

    Property number, address, property type and the year it was built

  2. About your cover

    Do you need buildings insurance or buildings and contents, and when do you need the cover to start?

  3. About you

    Let us know your contact details and your current correspondence address

  4. Additional Info

    Any other little details about you or the property

How do I make my holiday home insurance cheaper?

Check out these eight ways to lower your premiums.

  1. Try to pay annually

    It’s often cheaper to pay for the year in one lump sum, if you can afford it, than paying monthly

  2. Buy buildings and contents together

    If you need both, it can be cheaper and more convenient to deal with just one insurer

  3. Increase your excess

    Choose a higher voluntary excess to lower your premium – but make sure you can afford it if you do need to claim

  4. Know your worth

    Use our handy contents calculator to find out exactly how much your belongings are worth

  5. Protect against fires

    Fitting a smoke alarm on every floor could benefit you when it comes to finding a great deal on your insurance

  6. Improve the security

    Make sure you have adequate locks installed on your doors and windows

  7. Maintenance is key

    Keep your holiday home properly maintained to reduce your chance of a claim being rejected

  8. Shop around

    Shop around to get the best price possible for your policy

Types of holiday home insurance

Holiday home in the UK

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.

Chalets or log cabins

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.

Holiday homes overseas

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.

Frequently asked questions

  • If I buy a home abroad, does it need to be insured?

    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.

  • How much does holiday home insurance cost?

    It depends on each policy, each provider and what your specific requirements are.

  • How much should I insure my holiday home for?

    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.

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