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- Cover for short-term and seasonal letting
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Holiday Home Insurance
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Why Use QuoteSearcher for Holiday Home Insurance?
Holiday homes and second properties are typically unoccupied for longer periods than a main residence. Because of this, they are usually assessed differently by insurers and may not meet the requirements of standard home insurance policies.
Whether your property is used privately, let to holidaymakers, or a combination of both, the level of risk can vary depending on occupancy patterns, location, and property type.
QuoteSearcher introduces property owners to brokers who are experienced in arranging holiday home insurance. By completing a short form on our site, you can get connected with brokers who will outline cover options, based on how the property is used and where it is located.
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What Is Holiday Home Insurance?
Holiday home insurance is designed for properties that are not permanently occupied. This may include:
- UK-based second homes
- Overseas holiday properties
- Holiday lets rented to short-term guests
- Coastal cottages, lodges or chalets
- Holiday apartments and flats
Insurers will typically assess how often the property is left unoccupied, whether it is let to paying guests, and the level of security and maintenance in place.
Holiday Home Insurance Policy Features
Cover will vary depending on the insurer and property profile, but policies may include:
Buildings Insurance
Cover for the structure of the property, including the roof, walls, and permanent fixtures such as fitted kitchens and bathrooms, following insured events such as fire, flood or storm damage.
Contents Insurance
Protection for furniture, appliances, furnishings and other items kept within the property.
Accidental Damage Cover
May cover unintentional damage to the building or contents.
Public Liability Insurance
Relevant where the property is rented to guests. May cover legal costs and compensation if a guest is injured while staying at the property.
Loss of Rental Income
May provide financial protection if the property becomes uninhabitable following an insured event and confirmed bookings need to be cancelled.
Emergency Travel & Accommodation
Some policies may include cover for emergency travel or alternative accommodation if access to the property is unexpectedly restricted.
Buildings Insurance for Holiday Homes
Buildings insurance is commonly arranged, particularly where the property is subject to a mortgage. Mortgage lenders usually require adequate building cover to be in place.
The sum insured is typically based on the rebuild cost of the property rather than its market value. Rebuild cost includes labour, materials and debris removal. Some policies offer index-linked cover to help keep the rebuild value aligned with inflation.
If the property includes additional structures such as garages, outbuildings or swimming pools, these should be factored into the overall rebuild valuation.
Contents Insurance for Holiday Properties
Although not legally required, contents insurance can be important for holiday homes, particularly if the property is let to guests.
Furniture, white goods, kitchenware, and soft furnishings can be costly to replace. Insurers may apply single-item value limits or exclusions for high-value items, particularly where the property is frequently let. Carrying out a contents inventory can help inform the level of cover arranged.
Risk Considerations for Holiday Homes
Holiday properties may present additional risks compared to main residences, including:
- Extended unoccupied periods
- Weather-related damage, particularly in coastal or rural locations
- Burst pipes during colder months
- Theft or vandalism when the property is empty
Insurers may require certain security measures or regular inspections while the property is unoccupied.
Holiday Home Maintenance Considerations
Insurers may expect reasonable maintenance and risk management, such as:
- Regular roof inspections
- Adequate pipe insulation during winter months
- Approved locks and security systems
- Periodic property checks during unoccupied periods
Maintaining the property properly could reduce the likelihood of claims and help support compliance with policy conditions.
