Holiday home insurance FAQs

All your questions about holiday home insurance, answered online
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Do I need specialist insurance for my holiday home?

Does holiday home insurance include public liability cover?

Does HomeProtect holiday home insurance include caravans?

Does your holiday home insurance cover properties abroad?

Can you cover my property if the house is left empty for long periods of time?

Does the policy include legal expenses?

Is my holiday home covered for burglary if I've left a key under the doormat?


Do I need specialist insurance for my holiday home?

Yes. Most standard insurance providers are not prepared to cover holiday homes as they perceive them to be too great a risk. This is often because the property can be left unoccupied for more than 30 days at a time between lets, and because it is not a main residence. HomeProtect can provide specialist cover that fits around your needs, so your holiday home is protected all year round whether it is being rented to guests of left empty.

Does holiday home insurance include public liability cover?

Not every home insurance provider will include public liability cover, so you must take care to read the small print when comparing policies. At HomeProtect, our holiday home insurance includes up to £5 million in public liability insurance.

Does HomeProtect holiday home insurance include caravans?

No, HomeProtect does not cover caravans. Our holiday home insurance policy is only valid for buildings with fixed foundations. This would typically cover the walls, roofs, drives, patios, fences, outbuildings and permanent fixtures and fittings of the property, however you should refer to the Policy Booklet for a complete list of what’s covered before making a purchase if you are unsure.

Does your holiday home insurance cover properties abroad?

No, we only insure properties in the UK. We can provide affordable home insurance for all sorts of circumstances. We can return a quote online in 97% of cases, saving you time and money.

Can you cover my property if the house is left empty for long periods of time?

Yes, HomeProtect is pleased to offer one of the most flexible unoccupied home insurance policies on the market. If your holiday home will be left vacant during the off season or between guests for more than 30 days, we can still offer cover.

Does the policy include legal expenses?

You can add full legal expenses to your holiday home insurance policy by selecting this additional cover option at the time of taking out a quote. This can cover property damage, eviction of overstaying guests and gives access to a 24/7 legal helpline. For more information please refer to the policy booklet.

Is my holiday home covered for burglary if I've left a key under the doormat?

HomeProtect does not provide cover for theft unless there are signs of damage caused by the thief of thieves to get into the home, or if violence or deception was used to gain entry.

It is vital that you take a responsible approach to key management. Your average burglar will look for the easiest way to gain entry to your home, so leaving keys in hiding places is inadvisable (as they are likely to be a burglar's first port of call). Under mats, in plant pots, hanging baskets or fake stones are not good choices for hiding places. Using a key safe is a far better idea, as is leaving spare keys with a reputable local key holding service. When inside the house, never leave your keys in a spot that is visible or accessible from outside (and ask any guests to do the same).