Holiday home insurance

The seasonality of holiday properties means they can be unoccupied for long periods of time. A-Plan's holiday home insurance will provide essential buildings insurance protection for your holida home, including while it’s unoccupied.
holiday home insurance

What does holiday home insurance cover?

Your buildings

Your buildings

A-Plan’s holiday home insurance policies cover your buildings, including Airbnb properties, holiday rentals, holiday cottages and holiday lets.
Your contents

Your contents

Furnished your holiday home? A-Plan can provide contents cover too.
Property owners’ liability

Property owners’ liability

Property owners’ liability cover for any costs or damages should a guest injure themselves at your property.

Benefits of Holiday Home Insurance with Endsleigh’s partners

Taking out second home insurance cover is especially important if you let out your holiday home. Our partners, A-Plan provide a tailored service that offers a full range of holiday home insurance products.
Specialist policies tailored to your needs

Specialist policies tailored to your needs

Friendly, helpful, expert advisors

Friendly, helpful, expert advisors

8 out of 10 clients renew with A-Plan each year

8 out of 10 clients renew with A-Plan each year

Your guide to non-standard home insurance

Not sure whether you need specialist or non-standard home insurance for your holiday home? Find out more in our guides!

When might a property become unoccupied?

Do I need to let my home insurance provider know my property is unoccupied?

How much does unoccupied home insurance cost?

How to insure a subsidence property

Read more

Frequently asked questions about holiday home insurance

Not sure whether you need second home insurance? We’ve taken the time to answer some of your frequently asked questions.

What is holiday home insurance?
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It can sometimes be difficult to find home insurance that will provide sufficient cover for holiday homes (even if you don’t rent it out) due to the fact that they can be left unoccupied for long periods during the off season. Holiday (or second home) insurance provides protection for both unoccupied properties as well as the risk of renting your property as a short term let.

 Perhaps you're looking for holiday cottage insurance? Or you own a country home with a guest building that you only visit during the summer? Whatever the case may be, A-Plan has developed non-standard insurance products to provide you with holiday rental insurance and second home insurance.

Do I need second home insurance?
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A-Plan's holiday let insurance is designed for people who own properties which are not classed as their main place of residence, rather their second home or getaway hotspot. You may also be able to find holiday let insurance cover for commercial holiday homes, or alternatively just for when family and friends will be staying there.

 Anyone who takes out second home insurance should always notify their insurance company that it is for a second home. If you fail to do so, your insurer could refuse to pay out if you make a claim.

Do I need to add contents cover to my second home insurance?
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If you keep any belongings or furniture at the property, you may need to add contents insurance cover to your holiday home insurance policy to make sure they’re protected against unexpected damage – particularly if the property is being used as a short-term let. Speak to the A-Plan team to understand what cover is available for your holiday or second home.

What makes my property a holiday home?
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A holiday home is a second home that you rent out to paying guests as temporary accommodation. If your guests live there long-term with a tenancy agreement in place, this becomes a let property and you’ll likely require specialist landlord insurance to fully protect your investment.

If you’re only renting your property for short-term lets, either privately or through companies like AirBnB, then you’ll likely require holiday home insurance. This is because, more often than not, standard home insurance is unsuitable for holiday homes as they’re often left empty for longer than 30 days, making them a higher risk for theft or damage.

A-Plan provide cover for all sorts of non-standard properties, including:

Do I need buildings insurance for my holiday home?
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It’s usually a requirement for your mortgage to have some form of buildings insurance in place, and they may request to be added as a note of interest to the policy. Check the terms of your mortgage to see what’s required.

But outside of what’s required for your mortgage, buying a property is probably one of the biggest investments you’ll make in your lifetime even if you’re not living there, so it’s likely you’ll want to protect it at all costs. Taking out holiday home buildings insurance could help you avoid a difficult financial situation should the unexpected happen.

How do I calculate my rebuild cost?

Do I need contents insurance for my holiday home?
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If you’re letting your holiday property furnished, you may require contents cover to protect any items you own in the property - such as your carpets, curtains, furniture, household utensils, kitchen electrical goods and soft furnishings.

Need standard home insurance?

If you don't have specialist requirements, take a look at A-Plan's range of standard home insurance policies

Find out more about home insurance

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Get a holiday home quote with A-Plan

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