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Holiday Home Insurance

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UK holiday home insurance is a specialised form of home insurance designed for properties that are not the primary residence but are used for holidays or rented out. It covers the buildings and contents, protecting against risks like fire, flood, theft, and accidental damage, just like standard home insurance. Holiday home insurance also often includes public liability coverage, especially if the property is rented out to guests. 
 
Here’s a more detailed breakdown:
  • What it covers:
    Holiday home insurance typically provides coverage for the structure of the building, including repairs for damage from events like fire, storms, or flooding. It also covers the contents of the property, such as furniture, appliances, and personal belongings. 
     
  • Why it’s needed:
    Holiday homes are often left unoccupied for long periods, increasing the risk of damage from things like water leaks, freezing pipes, or even vandalism. Additionally, if the property is rented out, public liability insurance is crucial to protect against claims from guests or other third parties. 
     
  • Types of coverage:
    Policies often include options for loss of rent, loss of accommodation and leg expenses.
     
  • Who needs it:
    Anyone who owns a property that isn’t their main residence and is used for personal holidays or rented out to guests should consider holiday home insurance