Holiday Home Insurance: Everything You Need to Know

Holiday Home Insurance
Photo by Max Rahubovskiy

Holiday homes are a great way to relax and escape the everyday hustle and bustle. However owning a holiday home comes with a number of responsibilities, including insuring your property.

Holiday home insurance is a type of insurance that protects your holiday home from damage or loss. It can also cover you for liability claims if someone is injured on your property.

In this blog post, we will discuss everything you need to know about holiday home insurance, including:

  • What is holiday home insurance?
  • What does holiday home insurance cover?
  • How much does holiday home insurance cost?

We will also provide answers to some of the most common questions about holiday home insurance.

What Constitutes a Holiday Home?

A holiday home is a property that you own but that does not serve as your primary abode. It can be used for family vacations, rented to friends, rented to paying visitors, or a combination of the three.
If you wish to utilize a property as a holiday let and receive tax advantages, it must comply with HMRC (HM Revenue & Customs) regulations. It must be furnished and available for rent at least 210 days a year. This implies you can use it for up to 22 weeks every year.
Furthermore, for at least 105 days per year, you must rent the property commercially to the public as furnished holiday housing.

What is Holiday Home Insurance?

It’s simply home insurance tailored to cover your second home, whether or not you rent it out.
You can purchase holiday home insurance for the structure, the contents, or both in one policy.
If your vacation home sustains damage as a result of fire, storms, flooding, vandalism, or other insured catastrophes, building insurance will cover the structure and pay for repairs.
Contents insurance protects your holiday home’s valuables, such as furniture, televisions, carpets, and personal property.

Do You Need Holiday Home Insurance?

There are a number of reasons to buy vacation home insurance, even though it is not necessary.
To begin, mortgage lenders frequently demand that you get building insurance as a condition of the loan. Even if you don’t have a mortgage, this coverage is essential for protecting your home against unexpected disasters.

You should also consider securing the contents of your home. Especially if other people will be using the property. Because it increases the likelihood of accidents and breakages.
As more guests arrive, the likelihood of losing or misplacing house keys rises. In addition, if your home is left empty for an extended period of time, it is more vulnerable to break-ins.

Can I Get Regular Home Insurance for My Holiday Home?

Home insurance often only covers your primary residence. Holiday home insurance is required for a second property.
This type of policy can cover you for periods when your holiday home is unused for more than 30 to 60 days.

However, if you rent out your vacation home to guests, you’ll require holiday rental insurance.
It will cover the risks associated with renting out your second home. You can also buy supplementary coverage, including public liability and employee liability if you run a holiday rental business.

What Does Holiday Home Insurance Cover?

Because many of the hazards are comparable, purchasing buildings and belongings insurance for a holiday home is just as vital.

  • Building insurance protects your vacation home from damage resulting from natural disasters like fire, flooding, storms, and vandalism. It also covers permanent fixtures such as fitted kitchens, swimming pools, and hot tubs, as well as furniture, appliances, and other possessions stored in your holiday home, such as sofas, mattresses, and smart TVs.
  • Contents insurance protects your holiday home’s furnishings, appliances, and other items, such as sofas, mattresses, and smart TVs. Calculate how much it would cost to replace every item in your holiday home to determine the appropriate amount of content coverage.

If you rent out your vacation home, you should think about holiday insurance.

If I Rent Out My Holiday Home, What Insurance Do I Need?

Holiday rental insurance is intended to protect you, your property, and any guests who stay there during the holiday season. In addition to buildings and contents insurance, holiday let insurance might include:

  • Public liability insurance: If one of your visitors suffers harm while on your property and decides to sue you, public liability insurance will pay the legal fees and compensation costs.
  • Loss of rental income: If you have to cancel reservations due to flood, fire, or storm-related property damage, your insurance might pay for the lost rental revenue.
  • Alternative lodging: this could cover costs if your property is destroyed and you need to locate another somewhere for your guests to stay.
  • Employers’ liability insurance: This is a legal requirement if you hire someone to look after your holiday home, such as a gardener or cleaner. It may cover the expense of compensation claims if they are injured or fall ill while working for you.
  • Legal expenses coverage: for example, if a guest refuses to leave, you may require legal assistance to manage the problem.
  • While we cannot compare holiday insurance, there are insurance providers who do.

What Does Holiday Home Insurance Not Cover?

The insurance for vacation rental homes excludes some situations. Exclusions vary depending on the insurance coverage, but some will not cover holiday houses that:

  • Are available for hen and stag parties.
  • Are rented for an extended period of time
  • Have more than a particular number of bedrooms, whether or not they are used as bedrooms.
  • Are constructed using non-standard materials; for instance, if your holiday home is a thatched cottage, you may require non-standard home insurance.

Some insurance will not pay out for theft claims unless particular security equipment is installed or there has been forced entry to the property, so read the policy specifics before purchasing to ensure you know exactly what you’re insured for.

What Holiday Home Add-ons May I Need?

In addition to the standard coverage provided by a holiday home policy, you may want to consider paying for optional extras such as:

  • Coverage for unintentional harm: Other individuals may not take as much care of your property as you do, and accidents may occur. A glass of red wine spilled on your sofa, or children playing indoors with a ball and destroying something, may need the purchase of replacement products.
  • Home emergency protection: Because you are not always at your property and may not be familiar with competent local craftsmen, you may also want emergency coverage. This can cover the call-out charge as well as any necessary repairs for a variety of domestic situations.

How Much Does Holiday Home Insurance Cost?

The cost of holiday home insurance is determined by various criteria, including the size of the property, its location, the value of its contents, and the frequency with which it is occupied.
The good news is that if your second home qualifies as a furnished holiday let, your holiday home insurance is a tax-deductible expense.

Saving Money on Holiday Home Insurance

Here are some ways to help you save money on your second home insurance:

  • Pay Annually: If you can afford it, paying for the entire year in one big amount is generally less expensive than paying monthly.
  • Purchase both building and the contents: If you require both, dealing with just one insurer may be less expensive and more easy.
  • Increase your extras: Select a bigger voluntary excess to reduce your premium, but make sure it is reasonable if you need to make a claim.
  • Understand your worth: Find out how much your possessions are worth.
  • Fire safety precautions: Installing a smoke alarm on each floor may help you save money on your insurance.
  • Increase security: Check that your doors and windows have adequate locks fitted.
  • Maintenance: To lessen the likelihood of a claim being denied, keep your holiday home appropriately.
  • Shop around: Shop around for the greatest deal on your insurance policy.

Types of Holiday Home Insurance

Holiday home insurance isn’t just for UK properties; it may also cover your getaway abroad. You can also purchase insurance for a wide range of building forms and sizes.

#1. UK Holiday Home Insurance

Especially if you rent out your UK holiday home, they can be a wise investment. Just keep rising home prices in mind when providing an insurance valuation.
Even if your asset is only used as a private family retreat, UK holiday insurance will protect it against break-ins, storms, and fires.

#2. Insurance for Chalets and Log Cabins

Chalets at beach resorts or log cottages in the woods may have odd or temporary architecture.
However, holiday home insurance can include coverage for cabins and chalets, as well as hot tubs and outbuildings.

#3. Overseas Holiday Home Insurance

It can be unsettling to have something as significant as a second home so far away.
Even if you only visit it a few times a year, the suitable foreign holiday home insurance policy will secure your property while you are away.

Do I Require House Insurance?

Building insurance is not required, however, it is recommended. Consider how you would pay to rebuild your home if it was damaged or destroyed.

Can I Insure My Property in Another Country From the UK?

Yes, many UK insurers offer insurance coverage for holiday homes overseas, so you don’t have to get a policy in the nation where your vacation home is located. A holiday home policy can provide the same coverage as a residential policy, including Insurance for buildings. Insurance covering personal property.

What Does Flat Insurance Cover?

Flat insurance protects the physical structure of the building from hazards such as floods, fires, vandalism, and theft.

How Long Can I Leave My Holiday Home Empty?

It is determined by your insurance policy. Some companies will only cover a vacant home for up to 90 days. Others offer no time limit, so you’ll be insured for as long as the property is vacant. Check the policy details before purchasing to ensure you understand the limits.
If your home is empty during the winter, check the policy for any obligations, such as draining water systems, leaving the heating on, or shutting off the water.

Can I Acquire Holiday Home Insurance for Houses in Other Countries?

Many insurance companies will cover second residences outside the UK, albeit just a few countries are likely to be included, such as Spain, France, and Portugal.
If you are not fluent in the local language, it is critical to select a provider that provides your holiday rental insurance documentation in English as well as an English-speaking call center if you need to make a claim. And don’t just look at the price; also consider the policy’s features to ensure it’s good for you.
We do not compare holiday home insurance for properties abroad.

Are There Any Security Standards That My Holiday Home Must Meet?

Before they would agree to cover the contents of your holiday home, some insurance companies will need you to install particular security measures. Consider adding a burglar alarm or other forms of security.

Smart home technology can remotely turn on and off lights, open and close blinds or curtains, monitor movements in the home, and much more.

What Types of Properties Are Covered by Holiday Home Insurance?

Most holiday home insurance packages cover many types of property. Holiday cottages, as well as sophisticated city apartments, lodges, and coastal retreats, can all be covered by insurance. Before purchasing coverage, check with your provider to ensure that your property type is covered.

Is Pet Damage Covered by Holiday Home Insurance?

Most home insurance policies do not cover scratching, chewing, tearing, or fouling caused by pets. However, some insurance companies include pet damage coverage in their higher-tier policies.

Some sorts of pet damage may be covered by accidental damage coverage. This coverage is often an add-on to your holiday home insurance. Even so, you should carefully read the terms and conditions. Some suppliers exclude all pet damage, while others exclude specific categories of damage.


Holiday home insurance is an important type of insurance for anyone who owns a holiday home. It can protect your property from damage or loss, and it can also cover you for liability claims.

When choosing a holiday home insurance policy, it is important to consider the following factors:

  • The type of coverage you need
  • The amount of coverage you need
  • The cost of the policy
  • The reputation of the insurance company

If you have any questions about holiday home insurance, be sure to speak with an insurance agent. They can help you choose the right policy for your needs and budget.


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