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Top holiday home insurers
We compare some of the UK’s top home insurance providers to help you get great deals.
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A few things you’d like to clear up first? Maybe you’re not sure why it’s worth comparing your holiday home insurance, how long it will take or what cover you need?
Well, then you’re in luck. We’ve written the following answers to questions frequently thought but rarely asked, about finding great deals on your home insurance.
This should not be constructed as advice and is guidance only.
What’s holiday home insurance?
Lapping-up the luxury in your very own sun-soaked villa, snowy chalet, or forest lodge?
If you’re escaping the rat race at weekends or during the hols, keep your vacation bolt-hole safe – even when you’re away from the nest – with holiday home insurance.
An older holiday cottage may spring a leak or burst its water pipes in the winter, and a squeaky-clean modern build may attract burglars. Home insurance lets you take the risks in your stride.
Whether issues are 20 minutes along on the motorway, or a ferry-ride across the channel, a good holiday home insurance policy will help you get problems sorted fast, and from afar, with the support of an insurer.
What’s covered with holiday home insurance?
As standard, buildings cover will sub you the cost of repairs or rebuilding (minus any excess) if your holiday house falls victim to a misfortune such as a fire, a serious storm, flood and/or subsidence. It’s also usually a lending requirement if you’ve got a mortgage for the property.
A top-spec holiday home insurance policy may include:
- Combined or separate buildings and contents cover. The latter isn’t a legal requirement, so you can take or leave it, but you’ll only be covered for the bricks and mortar if you don’t take it out
- Cover for emergency travel requirements
- Cover to reimburse local taxes
- 24-hour emergency helpline for when you’re really up a creek and need fast advice or assistance
- Emergency travel
- Personal possessions cover to protect your gear outside of the house
And, remember to tell your insurer about the locks – your premium will be different depending on what you have.
What’s excluded from holiday home insurance?
Your holiday home may not be covered if:
- It’s let for an extended period of time
- Guests steal from you
- It has solar panels
- It has boats, boards, and watercraft within the home boundaries
Try not to leave personal or valuable items in your holiday home if it’s unoccupied or you’re planning on letting it out – you may not be covered if items are stolen or damaged accidentally.
What does a Home Insurance Policy Cover?
While basic policies can vary, most cover damage and loss that occurs due to the following causes:
- Fire, lightning, earthquake, explosion
- Subsidence, landslip, or heave
- Storms and floods
- Malicious damage
- Theft of property, or damage caused by attempted theft
- Leaking water tanks and pipes
- Oil leaks from heating systems
- Falling trees or tree branches
- Breakage of TV, radio, or satellite receivers
- Impact from an aircraft, vehicle, or animal
For most policies, exclusions are things such as general wear and tear, costs of home maintenance, and damage or breakdown that occurs as a result of poor workmanship.
Most policies also cover a certain amount of personal liability. For example, if someone is injured while in the home and the homeowner is found to be legally responsible, insurance may cover some or all of the compensation and legal costs.
Does it just cover UK properties?
You’ll be able to find cover for most types of holiday home in the UK, such as cottages, chalets, cabins, lodges, static caravans, and apartments.
Tip of the day: whether you’re insuring holiday homes in Spain, France or Scotland, work out the rebuild costs. The expense will vary all around the world.
If you want to insure a static eco dome, yurt, or tipi, you can get specialist camping insurance.
Make sure you’re not doubling up on insurance, as this can cause complications when claiming.