Home insurance for your UK Holiday Home
At CoverBuilder we can provide comprehensive cover for a variety of different style holiday homes, including holiday lodge insurance. Even if your holiday home is affected by different issues that require specialist insurance, we can provide this as part of your holiday home policy (for example if you also require subsidence insurance as well).
UK Holiday Homes insurance with CoverBuilder:
- Buildings and contents cover available
- Cover even for properties that will be periodically unoccupied
- Variety of holiday homes can be covered including flats, bungalows and cottages.
- Instant online acceptance
- Quote and manage policy online
- Average call centre answer time under 1 minute
Often insurance can involve more complex situations and circumstances, therefore we have our insurance experts standing by to help you with a quote.
Holiday Home Buildings and Contents Cover
Owning a second home in the UK provides many of us with an easy way to escape the stress of everyday life and relax in a house that feels like home away from home.
Lots of standard insurers are not willing to insure holiday homes, due to the fact that they can frequently be left unoccupied for long periods of time. Those that can provide cover will often restrict this to the most basic perils and have a number of compulsory guidelines that homeowners must comply with.
When considering insurance for your second home you will need to decide on what sort of policy you require. While buildings cover is likely to be a necessity, lots of people think about not taking out contents insurance – this is not advisable. Although you may not keep anything of high value at your second home, it is surprising how much it can cost to replace even the basic furniture that a home contains.
A good way to estimate the value of contents insurance that you require is to walk room to room and make a note of the cost of replacing each item in there – it will soon add up! That is why CoverBuilder offer joint building and contents policies that can cover your home and everything in it, putting your mind at rest when the property is left unoccupied.
Adding personal possessions cover to your Holiday Home policy can also provide peace of mind that the items you will have on holiday with you will be covered when you are out and about. This avoids the need for multiple policies and you can have your mobile phone insurance, camera insurance and home insurance all in one policy.
Cover for properties that are rented out
Unfortunately, CoverBuilder do not currently offer Landlord insurance products so can only offer cover for holiday homes that will be used exclusively by you and your family, rather than being let to tenants.
If you do not plan to use your holiday home for financial gain then you are ready to quote for second home insurance: