holiday home insurance
homeprotect can provide a competitive quote for holiday home insurance, no matter how your holiday home or holiday cottage is used.
- Unique online quote and buy facility for Holiday Home Insurance and Second Home Insurance
- 97.5% of all circumstances quotable online
- If we cannot quote online, we can usually help over the phone
- Policies underwritten by AXA, (winner of the 2011 BIA Customer Care Award)
- UK team on the end of the phone
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Holiday home insurance is absolutely essential, whether your second home is used exclusively by you, or used by family or friends, or even used as short term lets. By nature, a holiday property is at a higher level of risk than a home that is lived in full-time. For example, if a holiday property is ever unoccupied during the winter then there is a higher risk that the winter temperatures can damage your plumbing causing serious damage and the shorter daylight hours present more opportunity for thieves.
Our belief is that insuring a holiday home, or a second home, shouldn't be any different to insuring a residental property. Our cover is suitable for holiday homes and second homes throughout the UK, for seasonal properties left unoccupied and for seaside and riverside properties.
holiday home insurance from homeprotect
Taking steps like increasing security measures, draining down plumbing or leaving the central heating on a constant 15° before the cold sets in can help to reduce the risk your property faces, but with most insurers this will not be enough to make your property more insurable. With homeprotect, we appreciate when people are proactive about reducing their own risk and offer discounts for having the appropriate locks in place. Having holiday property insurance with homeprotect is a good step toward protecting your holiday home or cottage, but it is only part of a responsible approach to protecting your holiday home.
With most mainstream insurers being responsible is unlikely to be enough, particularly if you open your home to guests. The idea that people other than you and your family might be using your home is often too much for them to bear and they will deny you holiday home insurance. This is not the case with homeprotect. As long as your property is within the UK, no matter how your holiday home is being used, we aim to deliver a competitive quote for holiday cottage insurance.
With homeprotect you can also obtain quotes for second home insurance, unoccupied home insurance and landlord insurance.