If you own a UK-based holiday home, Lansdown Insurance Brokers can help you to protect it with the right insurance. Our tailored Holiday Home Insurance, or Holiday Let Home Insurance as its sometimes known, will ensure your property is protected, even when you’re not there enjoying it.
What is Holiday Home Insurance?
Holiday Home Insurance is a specialist type of property insurance designed to protect second homes, whether they’re exclusively used for your own short-term stays, or let out to others. Unlike standard homes, holiday homes often remain unoccupied for extended periods, are rented out to guests, or located in areas that may have specific risks such as floods or coastal erosion. As a result, they require a more flexible insurance policy to cover these unique factors.
What Does Home Insurance for Holiday Homes Cover?
The risks involved with holiday homes can be different from your primary residence, which is why home insurance for holiday homes offers different cover options. Here’s a breakdown of what a typical policy can cover:
- Holiday Homes Building Insurance: Covers the structure of your holiday home against damage from fire, storms, flooding, subsidence, and other unforeseen disasters.
- Contents Insurance for holiday homes: Protects your personal belongings, furniture, appliances, and other contents within the property from theft, damage, or destruction.
- Public Liability Insurance: If you rent out your holiday home to paying guests, this feature protects you from legal costs if someone is injured or their belongings are damaged while on your property.
- Loss of Rent: If bookings of your holiday home are cancelled due to an insured event (e.g., fire or flood), this cover can help compensate for lost rental income during the repair period.
- Unoccupied Property Cover: As holiday homes are often left vacant for long periods, our policies provide protection during these times, ensuring your property is safeguarded even when you’re not there.
At Lansdown Insurance Brokers, we believe in offering peace of mind for holiday homeowners by providing a policy that covers both the expected and the unexpected. Whether you use your holiday home personally or rent it out, we’re here to help protect your investment year-round.
FAQs
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How much does Holiday Home Insurance cost?
The cost of UK-based holiday home insurance can vary significantly depending on a number of factors like location, size, age of building, usage and level of cover provided.
With Lansdown, you can get an instant quote online for your specific requirements. Click here to get your holiday home insurance quote.
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What insurance do you need if letting your holiday home?
If you plan to let out your holiday home, you’ll need a holiday home insurance policy that provides cover for both the property and the risks associate with renting to guests. It’s important to consider:
– Holiday homes building insurance
– Contents insurance for holiday homes
– Public Liability Insurance
– Accidental Damage
– Loss of Rent
– Unoccupied Property Insurance
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Is Holiday Home Insurance more expensive than standard home insurance?
Holiday homes present additional risks that a typical home does not, and because of this, Holiday Home Insurance is generally more expensive than standard home insurance. Here are a few reasons why insurance for a holiday home is likely to cost more:
– Increased risk of theft and vandalism
– Higher likelihood of accidental and malicious damage
– Long unoccupied periods
– Liability cover is needed for guests