- Multiple quotes from specialist brokers
- UK and overseas properties covered
- Hassle free - complete just one quick, easy form.
Holiday Home Insurance
We partner with specialist insurance providers including
Why use QuoteSearcher?
Holiday homes or second homes are a wonderful thing to own. They allow you to take a break whenever you feel like it, are something to let friends or family use, or even as a way to make a second income through renting. As most holiday homes are usually left unused for prolonged periods of time, standard house insurance will not cover it. Instead, you will need to get a specific holiday home insurance policy.
Cover is available for the UK and many popular holiday destinations abroad for holiday homes, apartments, flats, chalets, caravans and cottages.
FINDING SPECIALIST QUOTES SINCE 2005
Online for over 20 years matching customers with specialist brokers
FAST AND SIMPLE PROCESS, YOU’RE IN THE RIGHT PLACE
Complete one simple form to receive multiple quotes, let us do the leg work for you
SIT BACK AND RELAX, YOU’RE IN CONTROL
You compare the quotes and choose the policy that best suits your needs
Customer's Love Our Service
Quick quote, no hassle and saved £700!
Fantastic can't fault in any way, would use time and again and recommend to all!
Excellent and fast service, will use again.
Quick helpful and cheap, can’t complain at anything. Thanks very much.
Found the site easy to use, had good feedback from four companies, all very competitive.
Helpful and efficient service, I was impressed how quickly I received my quotes.
Very quick responses and completed selection and purchase of a very competitive new policy within 24 hours.
Very good and easy to use, this has not only saved me money but also saved me a lot of phone calls and time, thank you.
Excellent service and delivered quicker than the website said. Have bought and will buy much more from here. Prices very competitive and often much cheaper. Yet to find something I want that they don't have.
Thought they were very good there was no need to ring around and I found what I was looking for.
Holiday Home Insurance Policy Features
Contents Insurance
Covers damage costs of carpets, furniture and appliances. Find out more about Contents Insurance for your holiday home.
Buildings Insurance
Protection against damage to brick and mortar. Read more about your Buildings Insurance for your holiday home.
Policy features include:
- Accidental damage cover
- Emergency travel and accomodation
- Public liability & Legal expenses
- Flood risk, storm and extreme weather insurance
- Repair cover
- Damage through theft
Contents Insurance
Although it is not compulsory, we would strongly advise taking out a contents insurance policy. Even if you do not think your holiday home contains many valuables, the cost of actually replacing the contents might surprise you. Once you take into account the furniture, crockery, furnishings and garden, the cost will start to increase dramatically.
Renting out your holiday home also comes with its own pitfalls. Tenants typically do not take as much care when in a rental property as the owners would, with the contents being particularly at risk of damage.
Whether or not you let your property out, it is a good idea to do an inventory of the contents. Where possible, avoid leaving high value items in your holiday home when it is left unused or if you let it to tenants. Sometimes insurers will place a limit on the value of any single item and may even exclude certain valuable items from the policy, particularly when it is being let.
Buildings Insurance
This is essential, and covers the structure of your property including the roof, and any permanent fixtures and fittings including baths and fitted kitchens.
Second homes which are still under mortgage must have appropriate levels of building insurance, which your mortgage provider will insist upon. Rebuilding a house is never cheap, and even if you do own it outright this is still an important piece of insurance to consider.
Your buildings insurance policy should be enough to cover an entire rebuild of your home, including any other buildings on your land such as swimming pools or garages. Remember, the cost of a rebuild is not the same as the market value, so it is wise to get a surveyor round to give you an estimate which you can then take to your potential insurance provider. Newer mortgages should already include an estimated rebuilding cost.
Some policies have an option for ‘unlimited cover’ if it proves too time consuming to generate a realistic estimate, however this is likely to be more expensive. Check whether your policy keeps the rebuild costs in line with inflation, otherwise you could be under-insured.
Holiday Home Tips
- Check roof regularly – roofing problems can spell disaster for a building. Repair costs are high and the building may be left uninhabitable while the work is being done. Before the end of the season have your roof checked so it is ready for winter.
- Insulate pipes – poorly insulated pipes lose heat and can drive up energy bills.
- Secure your home – secure your home with insurer approved locks, and consider installing CCTV, both to monitor it when you are not there and to deter potential intruders.
- Maintain your garden – a home with a well looked after garden can add value to the property and rental price.
