Activate Insurance
Comprehensive Protection for Your Home Away from Home-Wherever It Is
Product Liability Insurance Quote
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01953 711564
We specialise in providing tailored holiday home insurance policies for properties both in the UK and overseas. Our independent brokerage approach means we’ll find you the best cover to protect your investment, your belongings, and your peace of mind—no matter where your home away from home is located.
What Is Holiday Home Insurance?
Holiday home insurance is a specialist policy designed to cover properties that are not your primary residence. It protects against risks such as:
- Damage to the building and contents
- Theft, vandalism, and malicious damage
- Fire, storm, flood, and other natural events
- Liability claims from visitors or tenants
- Loss of rental income if you let your property
This cover applies whether your holiday home is in the UK or abroad.
Covering Holiday Homes in the UK
In the UK, holiday homes often face risks linked to seasonal occupancy and the local weather. Our UK holiday home insurance includes:
- Protection during periods when the property is unoccupied
- Cover for weather-related damage like storms, floods, and freezing conditions
- Liability protection for family, friends, or holidaymakers visiting your property
- Optional cover for accidental damage and emergency repairs
Covering Holiday Homes Abroad
Insuring an overseas holiday home comes with its own challenges—different laws, climates, and risks. We work with specialist insurers who understand these factors and provide:
- Policies tailored to the country and region where your property is located
- Protection against theft, fire, and natural disasters common to that area
- Cover for damage during periods of vacancy
- Support with legal liability claims in foreign jurisdictions
- Currency and legal compliance considerations
Why Do You Need Holiday Home Insurance Both in the UK and Abroad?
Your holiday home is a valuable asset that could face unique risks depending on its location and usage. Having the right insurance:
- Protects your investment against costly repairs or replacements
- Covers your belongings and furniture inside the property
- Offers liability protection to safeguard against accidents or injuries
- Covers loss of rental income if the property is rented out and becomes uninhabitable
- Provides peace of mind whether you visit often or leave it vacant for months