Holiday Home Insurance

A holiday home or second home is defined as a residential property that is not your main residence whether commercially let or for own occasional use. Generally speaking, if there are long periods of time where there’s no occupancy this would be classified as a holiday home.

We can cover the UK and Southern Ireland as well as Spain, France, Southern Cyprus, Bulgaria, Portugal, Greece and Italy. Although certain areas may have restricted perils for local risks, e.g. Earthquakes in Italy and Greece.

Holiday home insurance will provide the same levels of cover, a standard home insurance does (such as damage caused by fire, lightning, theft, escape of water etc.) It will also include any periods when the home is unoccupied. It is recommended accidental damage cover is included, after all guests aren’t always as careful as the owners.

We have access to a number of providers and being independent means we can choose the best policy for your requirements.

Yes you can, to ensure you are covered on the correct basis just call us.

Yes, you are still covered as owner of the property. In addition if you stop letting the property your premiums may also reduce.

Generally, Public Liability cover will be included as standard within your policy. It is worth paying a higher premium to include both Employers’ Liability cover (for people employed at your property, such as a cleaner or gardener) and Legal Expenses cover, if they’re not already included within your policy.

Generally, insurers do require a re-build cost for the property. If you are not sure of this, you can access a re-building cost calculator devised by the Royal Institution of Chartered Surveyors (RICS) to help you.