Choose UK Sure for your Holiday Home Insurance

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Firstly, let’s clarify what a holiday home actually is. In short, it’s a property you own that isn’t your main residence. You can use it for your own breaks, rent it out to friends or let it to paying guests – or a combination of all three.

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If you want to use it as a holiday let and benefit from tax breaks, it must meet HMRC rules. It will need to be furnished and available for letting for at least 210 days a year. But that still means you could use it yourself for up to 22 weeks.

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How is insuring your UK holiday home any different from insuring your permanent home

Insuring your holiday getaway is different to insuring your main home because the way you use it isn’t the same – you won’t live at your holiday home full-time and you might rent it out to paying guests.

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These circumstances could make your holiday home more vulnerable. If there’s a leak in the roof, for instance, there may not be anyone there to notice it before it causes a lot of damage – and an empty house could be easier to break into. Plus, paying guests might damage your property or injure themselves while they’re there.

 

Specialist holiday home insurance can cover these risks, giving you peace of mind that your home-away-from-home is protected.

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What is covered by your holiday home?

 

Buildings and contents insurance for a holiday home will typically offer the same cover as a standard home insurance policy.

• Buildings cover – insures the structure of your holiday home against damage from events like fire, flooding, storms and vandalism. It also covers permanent fixtures, including fitted kitchens and swimming pools.

• Contents cover – insures your furniture, gadgets and any valuable possessions you keep in your holiday home, including sofas, beds and smart TVs.

 

Depending on the provider, 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 friends and family as well as paying guests

• Public liability cover, if you let out your holiday home to paying guests. This could protect you if someone injures themselves at your property and decides to sue you.

• Loss of income and alternative accommodation cover, if you rent out your holiday home and it becomes unfit to stay in because of damage.

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What is Holiday Home Insurance

 

It’s just home insurance that’s specifically designed to cover your second property, whether or not you let it out.

You can buy holiday home insurance for the building, its contents, or both combined into one policy.

Buildings insurance will cover your holiday home’s structure and pay out for repairs if it’s damaged by fire, storms, flooding, vandalism or other insured events.

Contents insurance covers the possessions inside your holiday home, including furniture, TVs, carpets and any personal property you keep in it.

 

 

Do I need Holiday Home Insurance?

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While it’s not a legal requirement, there are several reasons why taking out home insurance for your holiday property is a good idea.

For a start, mortgage lenders often require you to have buildings insurance in place as a condition of the loan. But even without a mortgage, this cover is still vital for covering your property against unexpected disasters.

 

You should also think about protecting your home’s contents. Especially if there’ll be others using the property. As it makes accidents and breakages more likely.

The chances of losing or misplacing house keys also increases as more guests come to stay. And there’s a higher risk of break-ins if your place is left empty for long periods.

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