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Holiday Home Insurance

Protecting Your Property Because Fairytale Endings Aren’t Guaranteed, Even On Holiday

Have a holiday home that you don’t live in permanently and only occasionally visit? Do you let out your holiday home to bring in a little extra cash? Anyone with a holiday home will need specific holiday home insurance to protect them financially in case things go wrong, like house fires, break-ins or accidental damage.

Holiday home insurance is here to cover you for the things you hope never happen, especially for a valuable asset like a holiday home.

Who Needs Holiday Home Insurance?

Ward Off Big Bills Should The Worst Happen To Your Holiday Home…

How do you know if you should be looking for holiday home cover? Your property can be classed as a holiday home if:

  • It isn’t your main residence (where you live most of the time).
  • You use it for family holidays.
  • You let it out to friends or paying guests.
  • You get tax breaks by having it let out, fully furnished, at least 210 days a year, using it yourself up to 22 weeks a year – this isn’t a must, but it’s good to know if you want to reap the tax savings.

If any of those things apply, you’ll need special home insurance for holiday home cover, meaning you get a payout if bad things happen to your secret escape.

Why do you need Holiday Home Insurance?

Protect Your Enchanting Escape With Flexible Cover…

Holiday home insurance is a necessity since normal home insurance won’t apply to your holiday property. It’s important to cover your holiday home, because just like a normal home, you face risks such as vandalism and accidental damage from the people who let your home or an increased chance of theft when your holiday home is unoccupied.

Your insurance is there for these worst-case scenarios, so you don’t end up having to use your savings or credit card to replace your valuables, pay for repairs or rebuild your home. Your insurance provides an agreed amount of money into your bank account instead so that you can get your holiday getaway back as fast as possible.

Buildings Or Contents Cover?

When choosing your cover, decide whether you want buildings (the property itself) insurance, contents (the belongings inside your home) insurance, or a combination of the two. We can customise your cover to your needs, so let us know what you’re looking for, and we’ll find the best deal for you from our trusted partners.

Common Extras

When you insure your holiday home there are a few optional extras you can choose to add to your cover and get the protection you really want. This can include accidental damage.

What Does Holiday Home Insurance Cover You For?

Holiday home insurance protects your property and ultimately shields your financial security. With this kind of protection, it’s good to know what typically is and isn’t covered…

Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…

What’s covered

  • Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)

  • Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.

  • Accidental damage to buildings and/or contents

  • Domestic freezer cover – the cost of replacing food in your fridge or freezer if it stops working

  • Accidents to domestic staff – your liability for bodily injury to your domestic staff

  • Money – theft or accidental loss of money

  • Bank cards – any amounts that you become legally liable to pay as a result of unauthorised use following the loss or theft of your card

  • Public liability – your liability as a private individual and as owner or occupier of the home for the bodily injury or property damage done to another person or property while they’re in your home

What’s Not covered

  • Wear and tear or any other gradually operating cause (for example, damp formed over a period of time due to blocked or poorly maintained guttering or the mechanical or electrical failure of a television)

  • The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following the loss of or damage to the matching item(s)

  • Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories

  • Any property held or used for business purposes

  • Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you

  • Any risk where the losses are cyber-related, arising from either malicious acts (e.g. cyber-attack, infection of an IT System with malicious code) or nonmalicious acts (e.g. loss of data, accidental acts or omissions) involving either tangible or intangible assets

  • Damage caused by domestic pets

  • Infectious or contagious disease

Holiday Home Insurance

FAQS

  • Holiday home insurance is likely to cost a little more than regular home insurance, and that’s because of the additional risks attached to holiday homes. For example, a holiday home may be left unattended for longer periods or occupied by others, increasing the chance of things like lost, damaged, or stolen items and accidental damage to the building.

  • We have a panel of specialist insurer partners ready and waiting to deliver the best possible quote for your holiday home insurance. We’re proud to be flexible, too, finding the perfect deals for a wide variety of individuals, including those with a criminal record and poor credit history. We’ll tailor your insurance deal to you so you get the coverage you need.

  • You need to get separate holiday home insurance for your holiday property because it’s separate from your permanent residence. Holiday home insurance also covers you specifically for holidaying in your home and having others let it from you for holidaying purposes.

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