Holiday Home Insurance UK

Get great value for money Holiday Home Insurance today with InsuraHome!

Quote Policy Wording
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Holiday Home Insurance UK

Holiday Home Insurance UK

Holiday homes, by their very nature, can often be left empty for long periods of time so you need UK Holiday Home Insurance that takes this into account and is suitable to protect your holiday home. A ‘standard’ home insurance may not be sufficient to cover your holiday home as it is not your main residence.

Similarly, if you rent out your holiday home in the UK, you need a Holiday Home Insurance policy that is flexible enough for you to be covered while there are paying guests at the house. You also need to think about how your contents might be treated – visitors to your holiday home might not be as careful or considerate with your belongings as you are!

Obtaining suitable Home Insurance for your Holiday Home is just as vital as the cover you put in place for your main residence. At InsuraHome Home Insurance, we are experts in Providing an extensive Holiday Home Insurance solution for those wanting Home Insurance for their Holiday Home. Whether your property is due to be empty for 30 days, 60 days or even intermittently between holiday lets, we can help protect your wallet and your peace of mind from the unforeseen and unexpected for both the building and its contents.

Click Here to Request a Quote >>>

Or speak to an InsuraHome Holiday Home Insurance UK specialist by calling +44 (0) 1483 806 815

Looking for something specific?

Click Here for Second Home Insurance Click Here for UK Holiday Home Let Insurance

What is Holiday Home Insurance UK?

Holiday Home Insurance UK covers the risks you face when owning a second property that isn’t your main residence. In some cases, even your mortgage provider may require you to have specialist cover in place because Holiday Homes can be more susceptible to burglary, Vandalism and damage from paying guests as well as extensive damage from other mishaps due to not being present in the property on a daily basis.

Holiday Home Insurance is different from a ‘standard’ home insurance policy because it specifically covers the risks associated with owning a second property or holiday home. InsuraHome Home Insurance can help provide cover for you and your Holiday Home from a number of perils such as fire, subsidence, earthquakes and may be able to offer protection where others may have declined in the past.

Holiday Home Insurance UK - Available for:

A Holiday Home Insurance Policy from InsuraHome Home Insurance are available for the following circumstances.

  • Policy applies to short term holiday lettings or;
  • Properties used for own use, or friends & family.
  • Policy applicable to properties situated in England, Wales, Scotland, Northern Ireland, The Isle of Man and The Channel Island

Click Here to Request a Quote >>>

Or speak to an InsuraHome Holiday Home Insurance UK specialist by calling +44 (0) 1483 806 815

Main Features of InsuraHome Holiday Home Insurance UK

The following limits are provided automatically unless a higher limit is requested. To view the full list of cover available, please refer to the Policy Wording.

InsuraHome Holiday Home Insurance UK - Buildings Insurance

Cover Limit (£)
Accidental Damage to Fixtures & Fittings Automatically Included
Loss of Rent / Alternative Accommodation 25% of buildings / 24 months
Trace and access Up to £5,000
Replacement Locks Up to £5,000
Theft/Attempted theft by guests/tenants Up to £10,000 any one claim

InsuraHome Holiday Home Insurance UK - Contents Insurance

Cover Limit (£)
Accidental Damage to electronic equipment Automatically Included
Guests & Visitors personal effects Up to £1,000 any one claim
Loss of metered water/oil Up to £2,500
Replacement Locks Up to £5,000
Freezer cover Up to £500

InsuraHome Holiday Home Insurance UK - Legal Expenses Insurance

Cover Limit (£)
Legal Expenses Automatically Included up to £100,000

InsuraHome Holiday Home Insurance UK - Liability Insurance

Cover Limit (£)
Accidents to Domestic Staff £10,000,000
Legal Liability to the Public £5,000,000

And much much more!

Click here to see the full Insurahome Holiday Home Home Insurance Policy Wording for the full summary of buildings and contents covers as well as optional covers

Click Here to Request a Quote >>>

Or speak to an InsuraHome Holiday Home Insurance UK specialist by calling +44 (0) 1483 806 815

Holiday Home Insurance UK – FAQs

Can you get insurance for a Second Home?

The simple answer is yes you can get insurance for a holiday home. Holiday Home Insurance UK covers you when your property is empty for longer than your standard home insurance policy will allow and will also offer protection should you decide to offer short term holiday lets, including Air Bnb.

What counts as a Holiday Home?

A Holiday Home is one that you own but is not your permanent residence. Most ‘standard’ home insurance policies will not cover your property for risks associated with a holiday home, such as if it is left unoccupied for longer than 30-60 days because of the increased risk of theft, vandalism, a burst pipe being undiscovered and more. Therefore, there are specialised non-standard Holiday Home Insurance UK policies available on the market designed to cover these risks and other specific to owning a holiday home.

How much does Holiday Home insurance cost?

The cost of a Holiday Home Insurance UK policy will vary depending on many factors such as the value of the property, condition of the property as well as the location and security of the property as if the property is in an area with a high crime rate then the price of cover is likely to increase. In general, Holiday Home Insurance UK will cost more than a standard home insurance policy in terms cost per day of cover due to the additional risks associated with owning a holiday home.

How do I prepare my Holiday Home for winter?

Many second homeowners forget about the obligations they have for looking after their properties during the cold, wet and windy winter period. Many things could potentially go wrong with your property such as burst frozen pipes, flooding, loss of heating, leaky roof and other unexpected surprises. Click here to check out InsuraHome’s 5 easy ways to prepare your property for winter hazards.

Contact us

If you wish to speak to one of our InsuraHome holiday homeowners insurance Specialists:
Call: +44 (0) 1483 806 815
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).

For Claims information, please click here

How do I get an InsuraHome Holiday Home Insurance UK Quote?

At InsuraHome Home Insurance we aim to provide you with a first class customer service experience to ensure you are getting the protection you require.

To get an InsuraHome Holiday Home Insurance UK quote, click any of the ‘request a quote’ buttons on this page and fill out our short online application form.

Click Here to Request a Quote >>>

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Holiday Home Insurance specialists on +44 (0) 1483 806 815

Why Choose InsuraHome Insurance

InsuraHome features a range of great benefits as standard. InsuraHome also features some great add-ons for you to tailor your policy and so you only pay for the additional cover you need.

  • Loss or Damage caused by Fire, Smoke, Explosion, Lightning or Earthquake
  • Loss or Damage caused by Storm, Hail or Weight of Snow
  • Loss or Damage caused by Flood
  • Loss or Damage caused by the escape of water
  • Cover for Theft or Attempted Theft
  • Facility to transfer any no claims history from a previous insurer
  • A choice of policy excess – £100, £250, £500 or £1,000
  • Covers the cost of alternative accommodation if your property is left uninhabitable due to an insured event
  • Cover in case of Subsidence, Heave or Landslip is available
  • Accidental Damage cover is available
  • Online Policy Documentation
  • We don't store credit card details
  • + Lots more
More InsuraHome Details

Here at InsuraHome, we aim to provide cover when other Home Insurers say no!

What's more, we can provide Home Insurance for Home's that do not fall into the criteria to be termed a 'Standard Household'. So whether it's a Holiday Home in Europe, a property that has a non-standard construction type, or you have challenging personal circumstances, we can offer policies to you.

We review each and every application on a personal, case by case basis, customising your specialist Home Insurance to meet your individual needs! Our highly trained Home Insurance specialists will provide you with a fast, friendly, and professional service at competitive pricing.

Please Note - When purchasing Home Insurance you will be required to provide the rebuild cost of your home to the insurers. If you are unsure of your rebuild cost, please either request a rebuild cost assessment from a chartered surveyor or use the Rebuild Cost Calculator below

Rebuild Cost Calculator

House Rebuild Costs

When taking out Home Insurance, you are insuring your house for the cost of rebuilding it to the same standard as it is now, you are not insuring it for its value on the open market. When quoting you for a Home Insurance policy we will ask you for the rebuild cost of your home.

If you are not sure how much it would cost to rebuild your home then you can either have a rebuild cost assessment carried out by a Chartered Surveyor (which some insurers prefer) or you can use the house rebuild cost calculator below.

Rebuild Cost Calculator

How do I get a Quote for Holiday Home Insurance UK?

It’s quick and easy to get a Holiday Home Insurance UK quote.

Just click the ‘Get A Quote’ button to get an online quote for Holiday Home Insurance UK.