Holiday lodge insurance
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Holiday lodge Insurance
Get competitive insurance quotes for holiday lodges from across the UK
Owning a holiday lodge can be great, but it is important to make sure you get the right kind of insurance for holiday lodges. Proper insurance helps you mitigate the risks of owning a property like a holiday lodge. You can get comprehensive insurance for holiday lodges in Ireland, Europe, or further abroad.
Can I get regular home insurance for my holiday lodge?
No. Regular home insurance does not usually cover holiday lodges. If you need to insure holiday lodges, you need to make sure the insurance covers properties that are left unoccupied for more than 30 days. This is because having a holiday lodge left unoccupied for longer periods of time is considered a bigger risk and needs specialist insurance.
How long can I leave my holiday lodge empty?
Even with holiday lodge insurance, some insurance policies will not insure the property if it is left empty for more than 90 days at a time. However, it is possible to insure a holiday lodge with no limitation on how long the building is left empty. Comparing insurance quotes for holiday lodges can help you find appropriate insurance for your holiday lodge.
What does holiday lodge insurance cover?
Basic holiday lodge insurance will protect the property in case of accidents. This usually includes fires, burst pipes, storms, vandalism and break-ins, however this varies between different policies. It is important to compare insurance quotes to make sure you have the insurance you need for your holiday lodge.
Can I get contents insurance for my holiday lodge?
Yes. Many insurance providers will let you include contents insurance. This helps to cover belongings, furnishings, and fittings in case of an incident that causes damage
Do I need personal liability insurance?
If you intend to rent out your holiday lodge, either yourself or through an agency, you should look at how to insure a holiday let. Personal liability insurance is insurance in case a member of the public has an accident on your property while you are letting it out. Even when it is not a legal requirement to have public liability insurance, it is worth considering it for your overseas property.
Do I need employer’s liability insurance?
If you employ someone to maintain your holiday lodge as part of a rental business, you may need to get employer’s liability insurance to cover the costs if they have an accident while working for you. This is useful if you fully employ a cleaner or gardener for your holiday let.
What additional types of holiday lodge insurance can I buy?
Most insurers will offer a wide range of extra insurance cover for your holiday lodge. This can include legal cover in case of any legal fees from accidents, contents cover, homecare emergency cover, and additional cover based on the value and age of your property.
These are important aspects to consider to insure a holiday lodge.
How do I compare holiday lodge insurance quotes?
To compare quotes, simply enter the details of your holiday lodge. Insurance providers from across the UK will offer a range of quotes for you to consider.