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Holiday home insurance

To protect your investment and ensure peace of mind, it's essential you have the right insurance for your holiday home or overseas property, whether the property is a second home which is unoccupied for extended periods or rented privately.

Holiday Home Villa Lake House Second House Private Client (2)
Holiday Home Villa Lake House Second House Private Client (24)

Insurance protection for rented and unoccupied properties

Properties that are often left unoccupied or periodically rented face increased risk of theft, damage, and other issues, so specialist cover is required to address these unique challenges. If your property is rented out to paying guests or used for business purposes, a dedicated holiday home policy is necessary to ensure your legal liability as owner of the property to your paying guests is appropriately covered.

Holiday Home Pool

Our policies include:

We can arrange holiday home and overseas property insurance either on a standalone basis, or on the same policy as your main UK residence, allowing you to cover properties used as holiday homes, second homes, or overseas investments. These policies are designed to provide cover for a range of scenarios, including letting to guests or using the property for family holidays. You can insure both the building and contents under a single holiday home cover policy.
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Buildings Insurance (All Risks)

Covers the physical structure of the property, including outbuildings, permanent fixtures, and the grounds (gardens, driveways, swimming pools, etc.) 
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Contents Insurance

Protects all household goods, personal belongings, furniture, electronics, and valuables within the property.
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Personal Possessions Away from Home

Covers items like jewellery, watches, and other valuable items even when they are not at the holiday home, often with worldwide coverage.
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Loss of Rent Cover

If you let your property to holidaymakers, we can source policies that to cover your loss of rental income should the home be rendered uninhabitable by an insured incident.
Holiday Home Villa Lake House Second House Private Client (41)

Ensure comprehensive cover for your holiday property

Holiday home insurance is a specialist form of insurance cover designed to protect holiday homes whether you own cottages, villas, or apartments, from a wide range of risks. Unlike standard home insurance, a holiday home insurance policy is tailored to your unique needs, offering protection against theft, accidental damage, and extreme weather events that can threaten your biggest investment.

If you rent your holiday property to paying guests, having the right insurance is essential, as it often includes public liability insurance. This provides vital financial protection if a guest or third party suffers accidental injury or property damage while staying at your home. With the right insurance cover in place, you can rest assured that your property, your guests, and your rental income are protected from unexpected costs and claims, allowing you to enjoy your holiday home with complete peace of mind.

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We are open Monday to Friday 9am to 5.30pm (excluding Public Holidays).