What’s vacation home insurance? All of your questions answered

Just because your holiday home is your second home, there is no reason to save on holiday home insurance. Undoubtedly you worked long and hard to be able to buy it so it is really worth protecting.

Adrian Flux's team will answer all your questions about holiday home insurance here.

Do I need building insurance for a holiday home?

If your vacation home has a mortgage, your lender will insist that you have home insurance that will cover the cost of repairing damage to the structure of your property. Garages, sheds, and fences are covered, as is the cost of replacing items such as pipes, cables, and drains.

Your insurance should cover the full cost of rebuilding your vacation home – it is important that you get an accurate estimate of the rebuilding cost before purchasing your insurance – this includes the cost of demolition, clearing and architect fees.

If you own your vacation home directly, you should still insure it, as accidental damage can cost you thousands of pounds for repairs.

Do I need household contents insurance for a holiday home?

You don't need to take out home insurance for your holiday home, but you should definitely consider it. You probably don't keep as many expensive items in your vacation home as you do at your primary residence, but you still want your belongings protected – especially as vacation homes left vacant for long periods of time are more prone to break-in.

Photo by Allison Huang on Unsplash.

How does the insurance of my holiday home differ from the insurance of my permanent residence?

Holiday home insurance differs from normal household contents insurance in that you use your second home differently: You do not live in it permanently and can lend it to friends and family or rent it out to paying guests.

This makes your holiday home more vulnerable. For example, if there is a leak, there may be no one to report it before much damage is done. A vacant house is also more prone to break-ins and there is a risk that guests will damage or injure themselves during their stay.

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A special holiday home insurance covers these risks and gives you the certainty that your holiday home and its contents are completely protected.

Your vacation home insurance may cover a number of circumstances not covered by your primary residence coverage, such as:

  • Cover for holiday homes that are vacant for more than 30 consecutive days
  • Coverage for friends and family and paying guests
  • Liability insurance when renting out your holiday home

What additional services do I need for my holiday home insurance?

You may find optional accident insurance, cash and credit card insurance in the house, bike cover and key cover are helpful and inexpensive extras that you can include in your home and home insurance.

Vacation home insurance

Photo by One Shot from Pexels.

For which types of property can I take out holiday home insurance?

Adrian Flux Vacation Home Insurance covers all types of homes, from country homes and townhouses to log cabins in the country and homes on the beach.

Our policies can also provide excellent cover for bungalows, chalets, apartments, flat roof apartments and converted barns, churches and industrial buildings.

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

Adrian Flux's Vacation home insurance is remarkably competitive, but if you speak to our brokers they will find ways that can save you money rather than making excuses to increase the cost of your premium.

Easy ways to get discounts include taking out combined building and household insurance, as well as installing alarms and security locks.

What advantages does Adrian Flux holiday home insurance offer?

Apart from the security that Adrian Flux holiday home insurance offers you, there are other advantages:

  • 24-hour claims hotline with advice support
  • Household help helpline with advice and contact details for tradespeople

How do I get an offer for holiday home insurance?

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

Speaking directly to an Adrian Flux broker can save you time and money – 79.5% of all customers who got an online quote in July 2020 could have got a cheaper quote over the phone based on the information they provided .

Learn more about owning vacation rentals by visiting our other blog.

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