Protect your European Retreat with InsuraHome European Holiday Home Insurance

Our European Holiday Home Insurance policy has been carefully designed for individuals living in the UK who own a second home or holiday home in France, Spain, Italy, Portugal or The Republic of Ireland.

Our policies can be adjusted to meet your needs, with ability to provide cover for both buildings and contents, whilst automatically including Legal Expenses cover. With a case-by-case approach, InsuraHome European Holiday Home Insurance can provide your retreat with the protection you require.

Available For:

  • Policy applies to short term holiday lettings or;
  • Properties used for own use, or friends & family.
  • Policy applicable to properties owned by UK residents situated in France, Spain, Italy, Portugal and The Republic of Ireland.

Key Benefits:

  • Cover for Buildings & Contents.
  • Cover available for “Clean” Risks.
  • Non-Standard Construction considered*.
  • Accidents to Domestic Employees cover e.g. cleaners, housekeepers – up to £10,000,000.
  • Legal Expenses automatically included.

Cover for A Number of Perils is included, such as damage caused by:

  • Fire, lightning, explosion or earthquake.
  • Storm, flood or weight of snow.
  • Collision by any vehicle or animal.
  • Theft or attempted theft.
  • Falling trees, telegraph poles or lamp-posts.
  • Escape of water from frost or frost damage to fixed water tanks, apparatus and pipes.
  • And more!

Or speak to an InsuraHome European Holiday Home specialist by calling +44 (0) 1483 806 900

Main Features of European Holiday Home Cover

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.

Buildings Insurance

CoverLimit (£)
Accidental Damage to Fixtures & FittingsAutomatically Included
Loss of Rent / Alternative Accommodation25% of buildings / 24 months
Trace and accessUp to £5,000
Replacement LocksUp to £5,000
Theft/attempted theft by guests/tenantsUp to £10,000 any one claim

Contents Insurance

CoverLimit (£)
Accidental Damage to electronic equipmentAutomatically Included
Guests & Visitors personal effectsUp to £1,000 any one claim
Loss of metered water or oilUp to £2,500
Replacement locksUp to £5,000
Domestic freezer coverUp to £500

Legal Expenses Insurance

CoverLimit (£)
Legal ExpensesAutomatically included

Liability Insurance

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

Contact Us

If you wish to speak to one of our InsuraHome European Holiday Home 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

About Our European Holiday Home Insurance Policy

Our Policy has been underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. European Holiday Home Insurance is backed by a team of underwriters who are highly experienced and deal with each risk on a case-by-case basis. Therefore, our customers can be assured that all our InsuraHome European Holiday Home Insurance policies provide tailor-made protection, as required.

*All applications are taken on a case-by-case basis. Most Non-Standard Construction types are considered, however we do not provide cover for properties with thatched roofs under this policy.

Get a Non-Standard Home Insurance Quote/Application Form Here

What is Covered?

  • Short term holiday lettings
  • Airbnb properties
  • Family holiday homes

How to get a Quote

To get a Quote, simply do one of the following:

  • Call our Specialists on 01483 806 815.
  • Download our Application Form by clicking on the button below, print it out and fill in your details. This form can then either be posted to us, or scanned and emailed to
  • Download our Application Form and save it to your desktop. Re-open it, fill it in digitally and click ‘Send me to the InsuraHome Specialists’ on the final page, once you have completed all questions.
  • If you would like to request a call, send an email to with your name and contact number.

Please Note: Our Open Times are: 09:00-17:30, Monday-Friday. Excluding English Bank Holidays.


WE LOVE TO HEARWords From Our Customers