What types of property can be included on a holiday home insurance policy?
A wide range of property – from holiday cottages, log cabins, chalets, static caravans – types can be covered on a holiday home cover. As with a standard home insurance, we’ll need to take a few details about the construction and location of the property so that we can give you a quote.
How much does holiday home insurance cost?
As with a regular property insurance cover, there are a number of factors that will influence the premium that you pay – the value (and importantly, the re-build value) of the property itself, together with the value of contents and possessions that need including on the policy.
There are a number of factors that typically see holiday homes being slightly more expensive to insure – for example the fact that they may be seasonally vacant for longer periods of time. Similarly, where you rent out or holiday let the property you may need some additional cover in place – for example Public Liability (to protect you from the cost of a claim in the event that a guest alleges that they have suffered a loss or injury while staying at the property) or loss of rental income, where a guest doesn’t pay as agreed.