What is holiday home insurance?
If you have an additional home, it will face risks just like any other property. A standard home insurance policy will not cover you however. This is because typical home insurance policies require properties to not be unoccupied (typically for less than 30 days).
Not being at the property all of the time increases the risk of certain incidents happening such as theft, burst pipes and other types of damage. If you are not always at the property all of the time then you may not be around to check that everything is ok, which requires a specialist holiday home insurance policy.
Holiday homes are also ideal properties for renting out to short term guests looking for a place to stay whilst on vacation. This increases the risk of incidents such as theft or malicious damages whilst a guest stays at your property. Many traditional holiday home insurance policies exclude cover for these types of claims.
With Pikl, you can get cover for these types of guest related incidents too. So whether you just use your property for personal use or rent out to short term guests, we have a flexible cover option that can suit you.
What type of holiday home insurance do you require?
Pick the cover option that suits you.
Covers the rebuild of your home including the physical structure, fixtures and fittings
Can cover you against loss, damage or theft to the items inside of your home
Buildings and contents cover if you let out to paying guests when you need it
Who can get holiday home insurance?
- Own an additional property used as a holiday home
- Personal use
- Cover for letting out to short term guests if needed
Unlike some traditional holiday home insurers, we also cover...
Don’t let one bad guest put your property or income at risk.
Theft by guests
Standard holiday home insurance rarely covers theft by a guest.
Make sure you’re protected against accidental damage by guests. Things can happen even to the most careful of hosts.
Smarter insurance for holiday homes
Not all holiday home insurance was created equal. Pikl's specialist insurance is built around the needs of holiday home owners.
We'll keep you and your property protected should anything happen, so you can rent with confidence.
Get Peace of mind with Pikl
Each owner is different. That's why we have flexible covers option that can suit you. We allow you to tailor your cover options to fit around your requirements. Get a high level of insurance cover with us. Let us protect your property so that you can focus on the important things.
We provide a range of standard and optional covers, which can include:
- Cover for guest related claims including theft, guest related damages, legal and liability cover
- Buildings insurance for the physical structure of the property
- Cover for the contents in your home
- Legal & liability cover
- Alternative accommodation
- Accidental damage
- Fire, escape of water damage & subsidence
- Loss of keys and replacement locks
- Storm, flood & other weather damage
- Home emergency cover
Paul owns a holiday home in Norfolk
He rented out his property to a couple visiting the area for a two week holiday. When they left, he found the place had been trashed. Broken glass everywhere, stains on the walls. Even worse, some valuable items had gone missing. When Paul spoke to his insurer, he found out that cover for guests had been excluded. He ended up paying for most of the damages out of his own pocket.
Holiday home guides
How to rent out your additional property: 10 essential tips to get you started
If you have a spare home or holiday home, renting it out could give you a lucrative revenue stream. In this article, we discuss how to do your research and get started.
What insurance do you need for renting out your holiday home?
With more people looking to take advantage of alternative holiday experiences, renting out your holiday home to paying guests could be a smart way to bring in extra cash.
Frequently asked questions
Am I covered if I let my holiday home to paying guests?
You will need specialist cover if you do this. Some holiday home insurance policies will give you some cover but may not give you all the cover you need. With Pikl, we can provide optional cover for paying guests if you need it. We have cover built for property sharers in mind.
How much does holiday home insurance cost?
The cost of your quote depends on your property and circumstances. We search from a panel of different insurers to make sure that you get the best price. To get a price, you can either complete a quote on our website or give us a call.
Do you cover holiday homes abroad?
At the moment we only cover holiday homes within the UK.
If I make changes to my policy, will you charge me admin fee?
Many providers charge admin fees to make changes to your policy mid-term. Unlike traditional providers, we don’t charge admin fees.
How do I buy holiday home insurance with you?
Getting insurance is easy and can be purchased online in a matter of minutes. Alternatively, you can call us 0800 254 5171. Our opening hours are Monday to Friday, 9am to 5pm, excluding bank holidays
I am not sure if I need holiday home insurance?
People that own an additional home used for holiday purposes then will need holiday home insurance in many instances. The level of cover you require will depend on your personal circumstances. Our quote system will direct you to the right type of insurance you require in a matter of minutes provided you answer our questions correctly. If you still aren’t sure, feel free to get in touch on 0800 254 5171. Our contact centre is open Monday to Friday, 9am to 5pm, excluding bank holidays