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What is holiday home insurance? All your questions answered

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August 3, 2021
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Just because your holiday home is your second home there’s no reason to skimp on holiday home insurance. No doubt you’ve worked long and hard to be in a position to buy it, so it really is worth protecting.

Here the team at Adrian Flux answer all your questions about holiday home insurance. 

Do I need buildings insurance for a holiday home?

If your holiday home is mortgaged your lender will insist you have buildings insurance which will cover the cost of repairing damage to the structure of your property. Garages, sheds and fences are also covered, as well as the cost of replacing items such as pipes, cables and drains.

Your insurance should cover the full cost of rebuilding your holiday home — it is important to get an accurate estimate of the rebuilding costs before you take out your insurance — this includes the costs of demolition, site clearance, and architects’ fees.

If you own your holiday home outright, it’s still a good idea to have it insured because accidental damage can leave you a bill running into  thousands of pounds for their repair. 

Do I need contents insurance for a holiday home?

You don’t have to have contents insurance on your holiday home but you should certainly consider it. You probably don’t keep as many expensive items at your holiday home as you do at your main residence, but you will still want your belongings protected —  especially as holiday homes left vacant for long periods of time are more vulnerable to burglary.

holiday home insurance

Photo by Allison Huang on Unsplash.

How is insuring my holiday home different from insuring my permanent home?

Holiday home insurance is different from standard home insurance because you use your second home differently: you won’t live in it permanently and you may loan it to friends and family or rent it out to paying guests.

This will make your holiday home more vulnerable. If there’s a leak, for example, there may be no one there to report it before a lot of damage is done. An empty house is also more vulnerable to burglary and there is the risk guests could damage it or injure themselves while staying there.

Our new guide to buying and owning a HOLIDAY HOME is out now.


Specialist holiday home insurance covers these risks and provides peace of mind that your holiday home and its contents are fully protected.

Your holiday home insurance policy can include cover for a number of circumstances not included in the cover for your main residence such as:

  • cover for holiday homes that are empty for more than 30 consecutive days
  • cover for friends and family as well as paying guests
  • public liability cover if you let out your holiday home

What add-ons might I need on my holiday home insurance?

You may find optional accidental damage cover, cover for cash and credit cards left in the premises, bicycle cover and key cover are helpful and reasonably priced extras you could include in your buildings and contents holiday home insurance. 

holiday home insurance

Photo by One Shot from Pexels.

What types of property can I get holiday home cover for?

Adrian Flux holiday home insurance can cover all sorts of homes, from country cottages and town houses to log cabins in the country and beach front homes.

Our policies can also provide excellent cover for bungalows, chalets, flats, flat-roofed residences and converted barns, churches and industrial buildings. 

How can I save money on my holiday home insurance premium?

Adrian Flux’s holiday home insurance is remarkably competitive but you will find that when you talk to our brokers they will come up with ways to save you money, rather than make excuses to hike up the cost of your premium. 

Easy ways to earn discounts include taking a combined buildings and contents insurance package and fitting alarms and security locks. 

What are the benefits of Adrian Flux holiday home insurance?

Apart from the peace of mind that Adrian Flux holiday home insurance will bring, other benefits include:

  • 24-hour claims hotline with counselling support
  • Domestic Assistance Helpline with advice and contact details for tradesmen

How can I get a holiday home insurance quote?

Find out how cheap Adrian Flux holiday home insurance can be by calling 0800 369 8590, or request a call back at a time that suits you. 

Speaking directly to an Adrian Flux broker can save you time and money — 81.5% of all customers receiving an online quote in August 2022 could have obtained a cheaper quote over the phone, based on the information they provided.

Find out more about holiday home ownership by visiting our other blog.


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