What is holiday home insurance?
Holiday home insurance is a tailored policy designed to protect your second property, whether you use it for personal holidays or let it out as holiday accommodation.
It’s usually better to take out a specific holiday home insurance policy for your property as these types of homes are often more vulnerable to different types of risks compared to other properties, especially if they’re left vacant for extended periods. This includes theft, vandalism, and property damage.
On this type of policy, you can take out buildings cover, contents cover, or a combination of both. By taking out combined cover you can benefit from a discount.
Get a Holiday Home Insurance Quote
Buildings insurance
Buildings only insurance protects the structure of your holiday home and most policies will cover repairs for damage caused by events like fires, storms, flooding, and vandalism. By opting for holiday let buildings insurance, you often get loss of income protection, ensuring your property is protected from unforeseen events that could affect the property and your income.
Contents insurance
Contents insurance covers the items within your holiday home, including your furniture, carpets, and personal belongings, depending on the specifics of your chosen policy.
Why take out holiday home insurance with Adrian Flux?
Adrian Flux’s holiday home insurance provides tailored cover that’s designed specifically for holiday properties to offer peace of mind.
Our comprehensive holiday home insurance includes all the features you need and expect from an insurance policy and our rates are very competitive:
- Any holiday home, whether unoccupied, used by your family or friends, or let as holiday accommodation
- Cover for landlords with several holiday let properties
- Protection against loss of income in the event of a claim
- Domestic assistance helpline with advice and contact details for tradesmen
- Discounts for home security systems such as alarms and security locks
- Discount when you take out combined buildings cover and contents insurance for your holiday home
- Optional accidental damage cover
- Easy payment by credit card or direct debit, with flexible payment options
Because holiday homes are, by their nature, a non-standard insurance risk, all our policies are designed especially for the holiday home situation. Our team has a high degree of knowledge of holiday home insurance and works with insurers offering top-tier cover for holiday homes in the UK.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Read what our customers say about holiday home insurance with Adrian Flux
We understand that finding affordable, comprehensive insurance for holiday homes can be challenging. Here’s what one of our customers had to say about their experience with Adrian Flux holiday home insurance:
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of .
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
Get a Holiday Home Insurance Quote
How much does holiday home insurance cost?
The cost of your holiday home insurance depends on several factors, such as the location of the property, how often it’s occupied or rented out, the length of time it’s left empty, and any additional security measures you have in place. At Adrian Flux, we provide quotes tailored to your specific needs to ensure you receive affordable coverage that protects all aspects of your holiday home.
Do I need holiday home insurance?
While holiday home insurance isn’t legally required, it’s a smart choice for protecting your investment. Mortgage lenders will often require buildings insurance as part of your loan agreement. And even without a mortgage, taking out buildings insurance helps safeguard your property against unforeseen events.
There are several reasons to consider holiday home insurance, especially if the property is occasionally used by guests or left unoccupied for long periods.
Here are some common situations where holiday home insurance can be beneficial:
- Your mortgage lender requires you to have buildings insurance
- You rent out the property as a holiday home or have frequent visitors
- You want to cover your home’s furniture and possessions against damage or theft
- The property is left vacant for extended periods, increasing the risks of break-ins or vandalism
- Guests or family members use the property, raising the chance of accidental damage
FAQs
Can I use standard home insurance for my holiday home?
Standard home insurance covers only your primary residence and doesn’t account for the unique needs involved with owning a second property. A holiday home requires specialised holiday home insurance to protect your property even when left unoccupied for extended periods.
Can I get short-term insurance for my holiday home?
Yes, Adrian Flux offers flexible short-term let insurance options for holiday homes. If you rent your property out for short periods or leave it unoccupied between lets, our holiday let insurance provides cover to protect it year-round. Short-term holiday home insurance is designed to cover risks such as fire, theft, and accidental damage, keeping your property secure for any length of time.