Holiday Home Insurance
Holiday Property Insurance
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Owning a holiday home or Holiday Villa Insurance can be an amazing feeling, you’ll have the luxury of access to your own accommodation when going on holiday, as well as the ability to rent out a property you typically don’t reside in. Whether you are looking for UK holiday home insurance or overseas, you’ll want to insure your property with a good home insurance policy.
Quotezone.co.uk’s free online holiday home insurance comparison system can help you compare quotes from over 50 different providers in a matter of minutes, increasing your chance of finding cheaper holiday home insurance today.
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How much is holiday home insurance?
The cost of holiday home insurance will vary across insurance providers with no two policies ever being exactly the same. This is two to a multitude of factors but essentially the main reason is that ever property is different. The factors which are unique to your holiday home will be used by insurers to calculate your premiums.
Some of these factors include:
- The size of your holiday home
- The level of coverage you require
- Whether you plan to rent out your holiday property
- Any add-ons you wish to include on your policy
The best thing to do in order to get an accurate idea of how much holiday home insurance will cost for you is to take out a quote.
What is a Holiday home?
A holiday home is essentially a non-residential property that is primarily used for family breaks, rentals, or guests. To use it as a holiday let and receive tax breaks, it must meet HMRC rules, be furnished, and be unoccupied for at least 210 days a year. This allows you to use the property for up to 22 weeks a year and still qualify.
To qualify for tax benefits, you must let the property to the public as furnished holiday accommodation for at least 105 days.
What insurance do I need to let a holiday home?
Having some form of public liability insurance will be necessary to cover yourself against claims from guests due to accident and injury. If a paying guest is staying in your holiday home and becomes injured or suffers damage to their property, they may try and claim against you for the associated costs. Holiday home insurance can include public liability cover to insure you against legal and compensation costs. Always be sure to check you policy details to confirm the level of coverage. You can also add-on optional extras to your cover policy with many insurers, so this is another way of ensuring you have adequate coverage.
What’s the difference between holiday home insurance and home insurance?
Insuring a holiday getaway differs from insuring your main home insurance due to the unique use of the property. You may rent it out to paying guests, making it more vulnerable to potential leaks and break-ins. Additionally, paying guests may damage or injure your property while staying there, making it easier to insulate.
Who needs holiday home insurance?
Holiday home insurance is not legally required in the UK, however, if you have a mortgage then your lender may require you to take out insurance. It’s important to consider holiday home contents insurance for damaged or stolen items. If you plan to rent your property for extra income then specialist holiday rental insurance can cover risks like lost keys or accidents, providing you with the protection you need while you’re away.
What coverage is needed for renting a holiday home?
If you are planning on using your holiday home insurance as a rental while you are away, then taking out a holiday home insurance policy can protect you, your property and your guests. Holiday home insurance typically includes public liability insurance, which covers legal fees and compensation costs if a guest decides to sue you.
Typically these policies will also include loss of rental income insurance to cover and loss of earnings if a booking is cancelled due to an insurable event. Alternative accommodation insurance covers costs if your property is damaged and alternative accommodations are needed.
Employers’ liability insurance is required if someone cares for the holiday home, covering compensation claims if they are injured or become ill. Legal expense coverage is necessary if a guest refuses to leave, requiring legal help to resolve the situation.
How can I save on holiday home insurance?
The easiest way to save on any kind of insurance is to not pay more than you otherwise need to. The best way of avoiding this is to compare multiple quotes from across a range of insurance companies. This increases your chances of finding the best holiday home insurance for you as you won’t be limiting yourself to a few providers. That’s where Quotezone can help.
Our panel of UK-based insurance specialists can provide you with quotes from across the UK market, taking the stress out of finding the best quotes.
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