As a second homeowner, you will already know the importance of protecting your property wherever it is located. To ensure you are covered if the unexpected happens, choosing the right property insurance is essential.
Holiday let insurance is designed to protect your second home both inside and out and ensures your property is covered for unoccupied periods and while guests are staying.
Holiday let mortgages
Do I need holiday home insurance?
If you have a holiday home, standard insurance policies will typically not cover properties that are unoccupied for more than 30 days at a time.
Holiday home insurance is also tailored to the type of let and property you own.
Ordinary insurance is not enough to ensure your holiday let is covered. So choosing a specialised holiday let insurance policy is vital to protect it from risks such as burglary and accidental damage.
There are many other reasons you need to choose the right insurance product for your holiday home, including:
Cost-effective protection
While second home insurance and any additional cover options may increase the premium for protection, it is a cost-effective investment in the long term. The cost of property damage or any incidentals that occur while the property is unoccupied or let can run into the thousands, which may be a significant financial outlay to rectify.
With the right short term let insurance policy, you have peace of mind that the building and contents are covered. A comprehensive policy will also ensure that you are back to normal as quickly as possible and welcoming paying guests again.
Public liability insurance
Public liability insurance up to £5 million is included as standard protecting you from any legal issues that may occur during a let.
Loss of income
Loss of income cover will provide some compensation towards lost bookings if you experience cancellations because your property is unlettable due to an insurable event..
Accidental damage
Accidents happen, and when you have guests staying in your second home, they may not always be as considerate as they would in their own home.
Why choose a policy from Intasure?
If you are now thinking about investing in this insurance, finding the right insurer is crucial. Intasure is a holiday letting insurance specialist, helping thousands of people across the UK protect their properties even while unoccupied or being let out.
Support on-hand in emergencies
Out of hours emergencies can cause a great deal of stress.
With insurance cover from Intasure you have access to support and advice 24 hours a day. Emergency claims can be processed, and suggested contractors contacted to arrange help whenever you need it.
Flexible if your circumstances change
Many holiday homes are rented out for short periods of time.
However, if you decide to change the use for longer holiday lets or even choose to move into the property yourself for a while, changing your policy with Intasure is typically straightforward. For example, if you decide to switch your holiday rental to a six-month lease during the low season months to avoid standing empty, it is simple to make the switch (administration fees and an additional premium may apply).
Peace of mind
Whether you own one holiday home or several, managing a property portfolio can be challenging.
With comprehensive insurance from Intasure, you have extra peace of mind you are covered should anything happen to your holiday let with the back up of a major provider of specialist holiday cottage insurance.
Intasure provides holiday let insurance policies which are designed around the needs of UK landlords and combine locally tailored cover, with the reassurance of documents in English, and UK based customer service and support.
Choosing the right holiday let policy for your property
Insuring your holiday home is the best way to give you the ultimate peace of mind. Selecting the best policy for your property also ensures you are covered in most situations, and claiming is straightforward.
There are several factors to consider when insuring your home, including unoccupancy conditions, security requirements, and indemnity limits. It’s also important to ensure your property’s upkeep with regular maintenance to get the best deals on your second home insurance quote each year.
If you’d like to find out further information about insuring your holiday let, our specialist policy by Intasure is the perfect solution. Contact our team today to discuss your cover requirements and find the best policy to protect your property and investment.
REMEMBER
If you have a holiday let mortgage and let your property for short term stays the insurance needs to match the use.
Some of the benefits with Intasure holiday let landlord insurance are:
- Cover whether occupied or unoccupied
- Buildings insurance
- Contents insurance
- Public liability cover of up to £5 million included as standard
- Loss of rent included following a claim
- Emergency travel after a claim
- Option to pay premiums monthly
QUOTE REQUEST
Quote Request
Please use the contact form to send us a few details and an insurance adviser will be in touch very soon.
All holiday home insurance cover and advice is provided by Intasure. Intasure ® is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909.