Holiday Home Insurance

Holiday home insurance provides comprehensive protection for your second home, whether used personally, rented out, or a mix of both. It covers various risks, including fire, theft, and accidental damage, ensuring peace of mind for homeowners across the UK, in Europe or worldwide (in select countries).

Insuring your holiday home is vital to protect your investment against unexpected events such as natural disasters, theft, and accidental damage. It also provides liability coverage, safeguarding against claims made by renters or visitors.

Yes, holiday home insurance policies can include cover for when your property is unoccupied, offering protection against risks like fire, storm damage, theft, and more. Specific requirements, such as regular property checks, may apply.

Yes, a holiday let requires special insurance beyond standard home insurance to adequately cover the unique risks of renting out to guests, including property damage and liability claims.

To get a holiday home insurance quote, you can speak to our team of specialists. We can tailor a policy to meet your specific needs and provide comprehensive protection for your holiday home.

Your exact cost will depend totally on the nature of your property and its contents. Once again, our in-house underwriting team will review your exact requirements and liaise with our panel of specialist insurers to find the most suitable, and cost-effective, holiday home cover policy for your needs.   

Every claim, while following the same key steps, will depend somewhat on the exact nature of your claim and the theft, loss and/or damage. We can say with confidence that we only work with insurers who are known for a clear, simple and helpful holiday home insurance claims process and who will take care of you every step of the way if something does go wrong. 

Find out more about our second home insurance claim process on our making a claim page. 

Holiday home insurance covers a property used by the owner, family, and friends for personal use. Holiday let insurance covers properties commercially let to paying guests and includes additional cover for public liability, accidental damage by guests, and loss of rental income. If you use your property for both personal and commercial purposes, a combined policy reflecting both uses should be arranged. Speak to our team to discuss your specific situation.

Yes, though not all insurers will offer terms for non-standard construction properties. Rural holiday homes such as stone cottages, timber-framed buildings, and properties with slate or thatched roofs are common in popular holiday destinations but may fall outside standard holiday home insurance panels. Norton’s specialist insurer panel includes providers experienced in non-standard construction, including properties that have previously been declined elsewhere.

Loss of rental income cover can be included in holiday home insurance policies and is particularly important for commercially let properties. It covers income lost from cancelled bookings if the property becomes uninhabitable following an insured event such as fire, flood, or storm damage. This is not available under a standard home insurance policy. Speak to your personal client manager to confirm whether loss of rental income cover is included in the policy recommended for your property.