UK HOLIDAY HOME
INSURANCE
We help UK holiday home owners compare insurance quotes with less hassle , whether you own a cottage, flat or bungalow in Scotland or Cornwall, Quotiva can help .
With many holidaymakers now choosing to enjoy ‘staycations’ within the UK, there are no shortage of places to stay – from quaint little B&Bs and grand hotels – and even those who like to rent out holiday cottages and houses to holidaymakers.
With a wide variety of things to see and do in the UK, you’re sure to find something to interest you during a trip within the UK.
If you own a second home in the UK which you use as a holiday home – either to rent out to holidaymakers or as a getaway destination for yourself and your family – making sure you’ve got the right insurance cover is vital to ownership.
House insurance policies are made to protect two parts of your home:
Holiday homes, be they in the UK or abroad, can still be susceptible to the same risks as your own home, with an added risk element posed by essentially renting the property out to strangers.
By taking steps to ensure your property is insured while you have these temporary tenants you can help recoup some of the costs in the event of something going wrong.
As a standard home insurance policy will not usually cover a second home, it can be worth having some additional UK holiday home insurance to cover your property against loss and damage.
Holiday home insurance policies will differ from broker to broker, but essentially offer the following features on a policy:
By taking the necessary steps to insure your holiday home you can protect yourself from losses incurred as a result of theft or damage to the property as a result of factors such as adverse weather conditions – including storm and flood damage.
Installing additional security such as burglar alarms, home CCTV and even safes for storing your valuables when you’re not at the property can help to bring down the cost of your holiday home insurance premium.
Check out our handy Guide To Owning A Holiday Home In The UK for more information.
One thing to bear in mind is that some insurers may not pay out if the property is left unoccupied for more then 30 days in a year, so depending on how often you rent out the property you could end up putting yourself at more risk.
Searching for a better deal on your UK holiday home insurance? Fill in a few details here at Quotiva and we’ll search our network of UK-based brokers to find you the best quote.