Holiday Home Insurance and Second Home Insurance
Protecting your holiday home either overseas or in the UK is a vital way to protect your investment. Choosing a UK insurance product means that you will have peace of mind, when it comes to having to make a claim.Selecting the "get a quote" button will direct you to Intasure.
Your holiday property insurance
There are two parts to holiday property insurance. These are buildings cover and contents cover. The former obviously protects the structure of your property. Contents cover is a matter of choice but it may be a very valuable part of the insurance. If you lost everything in your holiday home, it has to be replaced by you if you do not have cover.
With contents insurance it typically pays out up to an agreed sum to replace belongings, furniture and any items that are classed as removable from the property.
What events are protected with holiday home insurance?
You may find that holiday property insurance typically – but not always – protects against the following:
- breakage of any glass that is fixed which may include ceramic hobs and sanitary fittings;
- damage or destruction due to fire or explosion;
- storm damage which may include lightning damage;
- flood or water leak damage;
- earthquake damage;
- an impact of aircraft or vehicle;
- acts of vandalism;
- damage from water tanks or pipes.
Of course, you do have to check the policy you are considering to find out the extent of your cover and limitations and exclusions. These may vary not only because the providers are different, but also where you have your holiday home.
Protection for renting out your holiday home
You may find that accidental damage is not covered in the holiday property insurance policy but may be added on for a little extra to cover any accidental damage by you and members of your family (but typically not tenants). This may be worth taking especially if you do plan to rent out your holiday home.
When considering a policy you may want to check to find out if the insurance provider pays out new for old or if they consider wear and tear.
Pubic liability insurance protects you in the event that a holidaymaker suffers an injury such as a trip or fall whilst staying in your holiday home and then subsequently makes a claim for damages against you. In the event that someone were injured and a claim made against you, public liability insurance typically pays up to a pre-defined amount towards your legal costs.
You may also want to include income rental loss in your holiday property insurance. This typically pays towards losses that occur if holidaymakers have pre-booked and they cannot stay in the property due to such as repairs taking place as a result of damage caused by an insured risk – not for maintenance works. With some policies you may also get financial help towards a stay in alternative accommodation for your family as the result of damage to your holiday home.
Looking for Overseas Holiday Home Insurance?Click on a flag to request
a No Obligation Quote from Intasure |
||||
 Austria |
 Egypt |
 Italy |
 Netherlands |
 Spain |
 Belgium |
 Estonia |
 Latvia |
 Norway |
 Sweden |
 Bulgaria |
 Finland |
 Liechtenstein |
 Poland |
 Switzerland |
 Cape Verde |
 France |
 Lithuania |
 Portugal |
 Tunisia |
 Cyprus |
 Germany |
 Luxembourg |
 Rep. of Ireland |
 Turkey |
 Cyprus (North) |
 Greece |
 Malta |
 Romania |
 UAE |
 Czech Republic |
 Hungary |
 Monaco |
 Slovakia |
 United
Kingdom |
 Denmark |
 Iceland |
 Morocco |
 Slovenia |
|