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Holiday home long term let insurance
Letting your holiday home to the public provides owners with a
good opportunity to recoup some of the money paid for it.
When opening your second home to the public, careful
consideration must be given to holiday home insurance. Standard
household insurance won’t offer protection against risks such as
visitor damage to your property or injuring themselves and holding
you responsible.
Your holiday home long term let insurance may need to include
vacant periods, busy periods and times when there will be a long
term tenant. As specialists in holiday home long term let insurance
we understand that variations in occupancy levels are a natural
part of owning a property. Our flexible, dependable cover is
tailored to the requirements of your individual holiday home.
Don’t compromise on your holiday home long term let insurance,
contact our team today for no-obligation quote on 0870 770
7183.
Key features of holiday home long-term let insurance
Buildings
Holiday Cottage Insurance covers an extensive list of perils
including fire, storm, flood, theft etc.
(See policy summary for full
details).
In addition, cover is provided for:
- Alternative accommodation or loss of hiring charges, following
an insured loss
- Accidental damage (only if accidental damage is shown on
policy)
- Costs of tracing and accessing leaks (up to £50,000)
Contents
Cover is provided for an extensive list of perils such as fire,
storm, flood, theft, etc.
(See policy summary for full
details).
In addition, cover is provided for:
- Accidental damage (only if accidental damage is shown on
policy)
- Contents temporarily removed from the home
- Contents in outbuildings
- Garden ornaments and furniture (up to £750)
- Loss of domestic fuel and metered water (up to £1,000)
Liability
- Public liability up to £5 million
- Employers liability up to £10 million
Excess
- £250 standard excess for each claim
- £500 standard excess for water escape claims
- £1,000 standard excess for subsidence claims (Increased
excesses may apply)
Increased excesses may be applied depending on individual
circumstances, for example in the case of a poor claims history.
This will be confirmed to you at the time of the quotation.
Additional features
- No call centre, our team are office based so you’ll get expert
help when you call
- 24 hour claims and emergency helpline
Please note: Certain perils may be excluded
when your holiday home has been unoccupied for more than seven
days. Please refer to our policy summary for more
detail on exclusions.
For more details contact us on
0870 770 7183 or fill out an online enquiry form to request a call back.
Other insurance products we may be able to help with: