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Holiday Home Insurance

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  • Unique and exclusive insurance schemes
  • Holiday Home and Lettings
  • Security of A rated insurers
  • Claim alternative accommodation costs of up to 20% of the sum insured
  • Policies can include theft & malicious damage
  • Annexes and spare room lettings

UK Holiday Home Insurance 

  • Cost-effective cover for your UK holiday home

  • Choose from a panel of insurers

  • UK based advisers providing advice and information

  • Buildings only or buildings and contents options available

  • Cover can be extended to include accidental damage to your contents

  • Immediate cover available

  • Includes specialist cover for holiday lettings.


If you have a holiday or second home in the UK, it is essential you have the most appropriate (and cost-effective) holiday home insurance for your property – especially if you do not visit it regularly.

It is vitally important to protect your property (and, therefore, financial interest) against damage from fire, floods, burglary, escape of water and any liability claims from paying guests or other visitors.

You should also note that typically it may be a condition of any holiday home mortgage that you always have suitable second home insurance in place.


All about holiday home insurance

If you own a second home or holiday let in the UK, then you should note that traditional home insurance cover may not be adequate – nor legal – for your insurance needs. This is because second homes face additional risks that a standard buildings insurance policy designed for a residential home typically may not cover.

For example, a second home may stand empty for periods of time, meaning that something like a small leak could cause considerable damage without you being aware.


What about holiday lettings?

if you have paying guests, you typically may need a higher level of public liability insurance cover. This protects you financially in the event of any claims for loss, damage, injury or death on your premises deemed to be caused due to your negligence.


Check your UK holiday home insurance cover

When buying property insurance, you will need to make sure that you are fully covered in the areas of:


Buildings insurance

Holiday home buildings insurance typically provides cover for the structural aspects of the property and, in most cases, external buildings, garages, swimming pools, boundary walls etc.

It can also cover permanent fittings against fire, weather damage, burst pipes and – depending on your holiday home insurance provider as not all policies provide the following element of cover as standard - subsidence.


Contents insurance

Holiday let contents insurance typically provides cover for furniture and electrical appliances. It is worth considering full accidental insurance as well, especially if there will be people renting your property. 

If you decide you want to let your property to paying guests (including AirBNB guests) there are further inclusions to your policy that you may wish to consider, such as legal liability insurance, employers’ liability, holiday letting cover, and legal expenses insurance. 

Whatever policy you decide to choose, it is important that you check the small print and ensure that you will be covered for every eventuality. Before selecting a policy, it is worth evaluating how the insurers would handle a claim, so, for example, you may wish to check that there is a 24-hour helpline available in the event of an urgent claim. 


What’s covered by holiday home insurance?

Buildings and contents insurance for a holiday home will generally offer similar cover to that of your standard home insurance policy such as fire, theft, flood etc. However, depending on the insurer, specialist holiday home and holiday let policies could also include:

  • cover for holiday homes that are empty for more than 30 consecutive days

  • cover for personal use including your friends and family as well as paying guests

  • public liability cover if you let out your holiday home to paying guests.


Do I need holiday home insurance?

As we mentioned above, you’re not legally required to take out holiday home insurance. If you have a mortgage on the holiday home, however, then your mortgage provider will most likely insist you have appropriate property insurance.

You also need to consider how you would pay for any damaged furniture and other items if you do not have holiday home insurance. Or, in the very worst case scenario and without appropriate insurance, if the property is razed to the ground, you could be left paying a mortgage on a property that no longer exists.

Finally, liability insurance protects you financially should any guests be injured or hurt during their stay and make a claim for compensation against you.


 What about if I am renting out a spare room?

If you are providing serviced accommodation, renting a spare room in your home or renting out an annexe as a holiday home, then please speak to your insurance broker. In these cases, you may need a slightly different type of property insurance.


Do you cover overseas holiday homes?

We regret that we cannot offer cover for holiday or second homes overseas.



 Why choose UKinsuranceNET for holiday let insurance?

 UKinsuranceNET UK holiday home insurance cover can give you the peace of mind that your property is adequately protected against the unexpected. We pride ourselves on offering bespoke property insurance options at what we believe are a cost-effective price – all backed with a professional, experienced customer service team.


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