Holiday Home Insurance UK – InsuraHome

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.

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.

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

Holiday Home Insurance UK – Key Benefits

  • Cover for Buildings & Contents.
  • Cover available for “Clean” or “Non-Standard” Risks.
  • Non-Standard Construction considered*.
  • Risks up to £10,000,000 total sum insured.
  • Legal Expenses up to £100,000 automatically included.

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 Islands.

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

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:

  • Click any of the 'Request a Quote' Buttons and complete the online form.
  • Call our Specialists on 01483 806 815.
  • Download our Application Form located on the 'Policy Documents' page, print it out and fill in your details using BLOCK CAPITALS. This form can then either be posted to us, or scanned and emailed to info@insurahome.co.uk.
  • 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 info@insurahome.co.uk with your name and contact number.

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

Holiday Home Insurance UK – What is Covered?

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

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

InsuraHome Holiday Home Insurance UK – Contents Insurance

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

InsuraHome Holiday Home Insurance UK – Legal Expenses Insurance

CoverLimit (£)
Legal ExpensesAutomatically included up to £100,000

InsuraHome Holiday Home Insurance UK – Liability Insurance

CoverLimit (£)
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 any optional covers.

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

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
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).

For Claims information, please click here

About Holiday Home Insurance UK

Our Holiday Home Insurance UK policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. InsuraHome Insurance for Holiday Homes UK 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 Holiday Home Insurance UK policies provide tailor-made protection, as required.

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.

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Holiday Home Insurance specialists on 01483 806 900.

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

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