Got questions? Our Holiday Home Insurance FAQ covers the basics, what’s protected, who needs it, and why it’s important for your getaway property.
Holiday Home Insurance
Comprehensive insurance protection for your second home
If you own a second property in the UK – whether it’s a seaside cottage or a countryside retreat – it’s important to have adequate insurance in place. At Chris Knott Insurance, we provide tailored insurance for holiday homes, ensuring your property is protected, whether it’s occupied or vacant.
Key benefits of choosing CKI
- Policies tailored to your unique needs
- Protection for a range of risks, including accidental damage and liability
- UK-based customer service team for support
I was struggling to get an insurance quote due to the uniqueness of the business I was hoping to start. Fern at Chris Knott was incredibly patient & helpful trying to sort out my insurance & many questions.
Customer, TrustPilot
Holiday Home Insurance FAQs
What’s covered by Holiday Home Insurance?
Holiday Home Insurance covers the specific needs of second homes in the UK, whether occupied for short breaks or long stays. Policies tend to include both Buildings and Contents Insurance, as well as Property Owners Liability for complete peace of mind. Additional cover, such as accidental damage or boiler protection, can also be arranged.
How is Holiday Home Insurance different from regular Home Insurance?
Since holiday homes and second homes are often left vacant for extended periods, insurance for holiday homes is designed specifically for those situations, including liability cover for rental scenarios or protection against risks like vandalism or theft.
Do I need separate insurance for a second home?
Yes, if the property is not your main residence, Second Home House Insurance is recommended because standard home policies often exclude extended periods of unoccupancy. Plus, the properties are likely to be in different locations and face different risks.
How much does Second Home Buildings Insurance cost?
As with most policies, the cost of insurance for second homes depends on factors like the property’s location, building type and your individual choices.
For instance, whether you choose to add accidental damage protection, or your chosen excess. Our team will provide you with a personalised quote that suits your specific requirements.
Are there exclusions for Holiday Home Insurance?
Yes, you will likely have some exclusions.
For instance, for wear and tear or unoccupied periods over a certain duration without notification are typically not covered. Our friendly, UK-based team will guide you through any conditions so that you fully understand your Second Home Insurance policy.
Does Holiday Home Insurance protect me if I rent my second home to other people?
It may. If you’re intending to let other people stay in your holiday home, please mention this when arranging your quote and we’ll factor this in.
Can I combine Holiday Home and Home insurance?
No. Typically, Home Insurance for holiday homes is different from regular home cover, so you will need separate policies that address the needs of each property.
I own a holiday home abroad. Can you help with insurance?
Unfortunately not. We can only help with UK properties. If you have a home in another country, you will need to arrange a policy there. Similarly, if you live abroad and have a holiday home in the UK, we will be unable to help.
Contact Chris Knott Insurance for an Insurance quote today on
0800 917 2274.
