Over 50s Holiday Home Insurance

Finding you the perfect quotes for holiday home insurance for the over 50s

Whether you plan to relax and take it easy in your holiday home or use it as base for many new adventures, we can help you find the perfect over 50’s holiday home insurance. Find out key information in our handy guide below.

What is the main benefit of over 50’s holiday home insurance?

As well as offering your holiday home all the protection it needs, over 50’s holiday home insurance provides financial savings.

Insurance companies view your age as an asset and therefore, under your care, they see your holiday home as less of a risk.

You’ll also probably be offered higher amounts of building and contents cover, to account for your greater acquired assets and wealth (leading to larger properties and accumulated contents).

Is holiday home insurance for over 50s suitable for holiday homes abroad?

Yes! Many of our UK based insurers offer cover for foreign homes. This allows you to sort out all of your insurance needs without needing to translate documents.

What will my over 50’s holiday home insurance cover?

In addition to building and contents, your holiday home insurance could offer such cover as emergency travel (if you suddenly have to get to your property to sort out a problem), accidental damage and alternative accommodation (in case your holiday home unexpectedly becomes uninhabitable).

I want to rent my holiday home out to holidaymakers, will this be covered by over 50’s holiday home insurance?

If not included as standard, it’s easy to add on the cover you need to allow paying guests to stay in your holiday home.

As well as public liability and accidental damage, consider loss of income, alternative accommodation and legal expenses cover.

I employ a gardener to work on my holiday home grounds. Does over 50’s holiday home insurance cover this?

No. You’ll need to add employer’s liability cover to your insurance policy.

We plan to spend a lot of time at our holiday home now that we’ve retired, will this still be the right insurance for us?

Discuss with your insurer just how much time you’re spending there. It may be the case that second home insurance is better suited if you’re splitting your time equally between your main residence and your holiday home.

How can I bring down the cost of my insurance?

Though being over the age of 50 already provides you with a discount, you can bring your premium down further by securing your property with locks, alarms and CCTV. Also, pay annually and up your excess.