UK Holiday Home Insurance
- Specialist cover for properties used as your own holiday retreat
- Cover for properties left unoccupied for 60 consecutive days or more between stays
- Choose from buildings, contents or combined home insurance
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UK Holiday Home Insurance
Specialist Home Insurance for UK Holiday Homes
Whether it's a seaside cottage or a countryside lodge, you escape to throughout the year, your holiday home is somewhere to relax and make memories with family and friends. Because it isn't occupied every day like your main home, it may need different insurance cover.
Our specialist holiday home insurance is designed for properties that are mainly used by you for short breaks and personal getaways. It provides cover while your holiday home is occupied and when it is left unoccupied between visits.
From unexpected storm damage to escape of water or theft, house insurance for holiday homes helps protect your property. With InsuraHome, you can enjoy peace of mind knowing your UK holiday home is protected, however it’s being used.
Ready to find out what cover is available? Request your holiday home insurance quote today by completing our short online form.
Request a Holiday Home Insurance Quote
Why UK Holiday Home Insurance Matters
A holiday home isn't lived in every day. You might visit for long weekends or family holidays, leaving it unoccupied for extended periods while you return to your main residence.
While you're away, unexpected problems such as escape of water, storm damage or attempted theft can happen. If they aren't discovered quickly, even a minor issue can become much more serious.
Many standard home insurance policies also place limits on how long a property can be left unoccupied. It is typically between 30 and 60 consecutive days. This can be difficult because holiday homes are often left empty for longer than this between visits.
That's why our holiday property insurance is designed around the way you use your holiday home. With the right cover in place for your requirements, you can get added peace of mind knowing your holiday home is covered.
UK Holiday Home Insurance Cover
Our holiday home insurance can provide cover against a range of unexpected events throughout the year. These include:
Fire Damage
Covers damage caused by fire, including smoke damage and damage from lightning or explosion.
Weather & Flood Damage
Covers loss or damage caused by storm, flood or severe weather conditions.
Escape of Water & Oil
Covers damage caused by leaks from pipes, heating systems and domestic appliance.
Theft & Burglary
Covers loss or damage resulting from theft or attempted theft, subject to your policy terms.
Property Owners' Liability
Covers your legal liability if someone is injured or their property is damaged in connection with your home.
Subsidence, Heave and Landslip
Covers loss or damage caused by movement of the ground beneath your home.
Request a Holiday Home Insurance Quote
Additional Cover for UK Holiday Home Insurance
Finding the best holiday home insurance in the UK isn't only about the price. It is about choosing a policy that suits the way you use your holiday home and the time it spends empty between getaways.
Alongside buildings and contents insurance, our holiday home property insurance includes additional cover.
| Additional Cover | Description of Cover | Building Insurance | Contents Insurance |
| Liability Cover | Provides property owners' liability cover, including liability arising from holiday letting activities. | ✔ | |
| Common Parts | Covers contents kept in shared or communal areas. | ✔ | ✔ |
| Alternative Accommodation / Loss of Rent | Covers the cost of alternative accommodation/lost rent if your holiday home becomes uninhabitable due to an insured event | ✔ | ✔ |
The holiday home insurance comparison table above highlights how additional cover applies across our buildings and contents insurance policies. For full details of what is and isn't covered, please refer to the policy wording.
Why Choose InsuraHome UK Holiday Home Insurance
Your holiday home is more than just another property. It's somewhere you look forward to visiting. Whether that's for family holidays, weekend breaks or simply a change of scenery.
At InsuraHome, we understand that holiday homes have different insurance needs from a permanently occupied home. Our experienced team looks at every application individually to help arrange suitable home insurance for holiday homes based on how your holiday house is used.
Many homeowners with UK holiday homes also let out their properties to paying guests for short stays when they aren't using them themselves. At InsuraHome, we can provide cover for properties that are both let to paying guests and used by the owners for their own holidays.
Specialist Cover for Your UK Holiday Home
Owning a holiday home should be about enjoying time away, not worrying about what might happen while you're back at your main residence.
Our specialist holiday home insurance helps protect your property while you're there and when it's left unoccupied.
Request a Holiday Home Insurance Quote
Discover Other Specialist Home Insurance Solutions
At InsuraHome, we provide specialist home insurance for a wide range of property types and circumstances. Alongside holiday home insurance, we can also help homeowners with holiday lets, second homes and unoccupied properties.
Our specialist team supports homeowners whose insurance needs fall outside a standard home insurance policy.
Frequently Asked Questions about UK Holiday Home Insurance
1. Why Do I Need House Insurance for Holiday Homes?
While it isn't a legal requirement to have home insurance for a holiday home, it is still worth considering. Unexpected events, such as storm damage, escape of water or theft, can happen whether you're staying in your holiday home or it's left unoccupied between visits.
If you've taken out a mortgage on your holiday home, your lender may require you to have buildings insurance.
However, if you plan to let out your holiday home to paying guests, you'll need a different type of cover. House insurance for holiday homes is designed for homes used by you, your family and friends. It isn't suitable if you're letting your holiday home to paying guests, even if it's only occasionally.
Instead, you'll need holiday let insurance, which is designed for properties let to paying guests. This type of cover is also available from InsuraHome.
2. Who Can Get InsuraHome Holiday House Insurance?
Our holiday home insurance in the UK is available for homeowners who own a holiday house in:
- England
- Wales
- Scotland
- Northern Ireland
- The Channel Islands
Please note: our holiday house insurance is currently not available for homeowners who own properties in Europe that they use to stay during their holidays.
3. Does Insurahome Holiday Home House Insurance Have Any Conditions?
Yes. Because holiday homes can be left empty between visits, there are certain policy conditions that need to be met. For our InsuraHome, there are certain conditions that would need to be met. If these conditions are not met, the policy might become invalid.
Some of the main policy conditions include:
Property Inspections
- The property should be inspected both inside and outside at least once every 30 days.
- A record of each inspection, including the date, time and any observations, should also be kept.
Water and Heating System - you will need to meet one of the following requirements:
- Between October and April, the main water supply should be turned off; or
- During this period, the heating should be left on to maintain a minimum temperature of 15°C.
Security Requirements
- The property should have suitable security measures in place, including mortice deadlocks or multi-point locking systems on external doors.
- Accessible windows should also be fitted with key-operated locks.
Please refer to the policy wording for full details of all conditions that apply to your holiday home house insurance.
4. Does Holiday Property Insurance Include Accidental Damage?
Accidental Damage is available as a policy option, which you can add to your holiday home property insurance. With this add-on, you can include cover for damage to your property from unplanned mishaps.
This option is subject to the terms, conditions and exclusions of your policy. Please note that accidental damage doesn't include wear and tear, mechanical breakdown or malfunction.
5. How Much Is Holiday Home Insurance?
The cost of holiday home insurance in the UK depends on several factors, including where your property is located, its rebuild value and the type of cover you choose.
If you're unsure of your UK holiday home’s rebuild value, you can arrange a rebuild cost assessment with a Chartered Surveyor or use a rebuild cost calculator to provide an estimate.
6. How Do I Get House Insurance for Holiday Homes from InsuraHome?
Getting a quote for your house insurance for holiday homes is straightforward. Click the Request a Quote button and complete our short online form with a few details about your property.
Once you've submitted your form, one of our specialist house insurance team will review your information and contact you to discuss your quote.