Cheap Holiday Home Insurance
Compare holiday home insurance for UK and overseas property
Whether your holiday home is a house, apartment, villa, flat, chalet, located in the UK or overseas.
Compare holiday home insurance with Quotezone.co.uk
Quotezone could help you find specialist holiday home insurance to suit your needs. All you have to do is fill in a simple one step online form and one of our panel of UK insurance providers will contact you directly to discuss your specific policy requirements.
Is Quotezone regulated by the Financial Conduct Authority?
Quotezone and our panel of UK insurance providers are regulated and must abide by the laws set out by the Financial Conduct Authority.
You are in good hands here at Quotezone. We understand that every holiday home is different. So whether you own a cottage in South West England or a villa in the South of Spain, we can point you in the right direction.
Could Quotezone save you £££s on your holiday home insurance right now?
Try us now and see for yourself. Compare holiday home insurance quickly and easily. We offer a completely free service and we will always remain independent ensuring you receive a fair holiday home insurance comparison for your needs that we can offer. Why not take the first step and fill in the form now. It could be the best move you ever make.
Holiday home insurance guide
Owning a holiday home many seem like a privilege to many but it could be just as stressful as having a live in property, perhaps even more so as the owners aren’t typically present all the time. Having a holiday home in the UK usually has all the same risks as any other dwelling. It could be vulnerable to flooding, fire, burglary and damage in much the same way and the chances are that the property could be stood empty more frequently. As a result any holiday home owner may want to invest in holiday home insurance that covers their particular property fully in the event of anything going wrong.
What is UK holiday home insurance?
Standard home insurance generally isn’t adequate enough to cover a holiday home property due to the property being stood empty for 30 days or more. As such holiday home insurance could offer a more flexible option for those seeking coverage for their second home. This could include both buildings and contents insurance as a holiday home is likely to be fully furnished in order to receive guests.
A holiday home could be considered a much higher risk than a standard home due to the empty periods that may occur, the higher chance of theft or burst pipes along with the variety of guests that may reside in the property on a temporary basis and the risk of damage this could present. This is usually why insurers would look to only offer holiday home insurance that is tailored to specific requirements. If a holiday home is mortgaged it could be a requirement of the mortgage conditions that appropriate second home insurance is in place.
How much buildings cover is required?
The rebuild value of any home isn’t usually the same as the market value and so the same principle could be applied to a holiday home. In order to incorporate an adequate level of buildings cover to any holiday home insurance policy it could be necessary to work out the rebuild value in the event of a home being completely destroyed. To get an accurate value it could be worth hiring a surveyor although many insurers may have an online calculator which could help. It is probably worthwhile to get an accurate valuation so that any home is covered for the true rebuild value. A miscalculation could result in being underinsured and being over insured could make getting cheap holiday home insurance that much harder.
Buying contents insurance for a second home
Having a holiday home tends to mean having a fully furnished second home. This could mean that a holiday property has all the appliances and other furniture that you may expect at home. A holiday home could be used solely by the owners or it could be hired out. Either way it is likely that any guests would expect home comforts and working, well maintained equipment. As such getting contents insurance as part of holiday home insurance could be a wise step especially if a person plans to rent their home out to strangers. Having contents cover in place for all eventualities including accidental damage may mean being able to recover losses if something was stolen, damaged or broken.
In order to keep a holiday home policy affordable it could be a good idea to refrain from keeping valuables such as jewellery, tablets and other portable devices in the second home.
What extras could be included as part of UK holiday home insurance?
A typical holiday home insurance policy may also offer to include things like home emergency cover, public liability insurance, loss of income cover and alternative accommodation cover as part of the policy. Not all these things may be necessary but could be added or tailored to a policy depending on the needs of the owner.
It could be important to check the full details of the policy ahead of paying any premiums as these things could carry additional costs.
If a person lets out their holiday home there may be additional conditions to a policy such as having up to date health and safety records, fire regulations and so on. Again checking the policy terms and conditions in advance could confirm this type of detail.
Buying cheap holiday home insurance
Getting a cheap holiday home insurance policy may be easier to do if shopping for insurance online. Using a comparison could also give a range of options for this kind of specialist second home cover. To compare holiday home insurance may be much more convenient for owners looking to save money on their insurance outgoings and yet ensure that they are fully covered. Using a comparison could give owners the peace of mind that their holiday home is insured in the event of anything going wrong. This could be very reassuring if the property is a fair distance from their home, abroad or left empty for long periods of time.
Getting in touch with insurance companies individually may be time consuming and owners may find it frustrating if they discover their chosen company doesn’t offer this kind of cover. This could be another reason why using a comparison online could be much simpler to secure the most suitable policy.
Whilst cheap holiday home insurance may not always offer everything using a comparison could enable owners to add extras and compare prices to get a policy that works for them.