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Can I get standard home insurance for my holiday cottage?
No. Standard home insurance is usually for your main residence. Home insurance is not for properties that are empty for long periods. It doesn’t cover properties that are rented out.
Holiday cottage insurance may seem like other property insurance. But there is more to consider when you compare holiday cottage insurance.
Use our comparison tool to find a range of cheap quotes for holiday cottage insurance in moments. If you still have questions, read on to find out the key things to look at when taking out holiday cottage insurance.
Why is holiday cottage insurance more expensive than home insurance?
Holiday cottage insurance can be more expensive because there are more risks. An empty cottage can attract thieves or burglars. A small problem such as a leaking pipe may cause lots of damage before it’s noticed.
If you’re looking for cheap holiday cottage insurance, then shop around. Compare holiday cottage insurance quotes to save money.
Do I need special insurance to rent out my holiday cottage?
Yes. When renting out a holiday cottage you may should look at holiday let insurance. This helps protect you if people using the cottage are injured. Public liability insurance can give you extra protection when renting to members of the public.
Do I need employers’ liability insurance?
You may have staff who take care of your holiday cottage as part of a rental business. Then you will probably need employers’ liability insurance. This helps protect you if anyone working on your property is injured.
Can I insure the contents of my holiday cottage?
Yes. Most insurers will allow you to add contents insurance to your holiday cottage insurance. This can help cover the cost of replacing personal belongings and furniture after an accident or fire.
What other types of holiday cottage insurance are there?
There may be additional types of insurance available when you compare holiday cottage insurance. This can include legal cover in case of a dispute. Home emergency cover can help solve other problems when they arise.
How long can I leave my holiday cottage empty?
This depends on the insurance policy. Some insurers have no restrictions. Some holiday cottage insurance policies may not cover a property that is empty for 90 days or longer. It is important to give full details when comparing quotes to choose the right policy for you.