Home Emergency Cover for holiday lets
26 October 2022
With holiday let properties carrying an increased risk of damage, home emergency cover is a popular choice for owners that can’t be there 24/7 to
You should consider buying Holiday Home Insurance online if you own a second property or holiday home that isn’t your main residence that you use for family holidays (including weekend or longer breaks) or let to friends and family. If you let the property to the public, you should buy Holiday Let Insurance.
Policy Powerhouse offers affordable, reliable, and easy-to-get Holiday Home insurance. We work with top rated insurers who provide great claims service.
Owning a holiday home is a dream for many, but protecting it should be a priority. At Policy Powerhouse, we specialise in UK holiday home insurance, providing tailored coverage that ensures your property is safeguarded from the unexpected. Whether you use your holiday home for family getaways or rent it out, we offer flexible, cost-effective solutions to keep your investment secure.
Get a quote from professional insurance advisors who are available to talk with you and ensure that you get the cover that is right for you. We offer just the right cover for whatever your requirement. Why not see for yourself and get a quote below? If holiday home insurance is not what you need, we provide unoccupied property insurance and commercial property insurance to ensure you’re covered whatever your needs.
Holiday home insurance is designed specifically for properties that are not your main residence. Standard home insurance may not cover second homes due to their unique risks, such as extended periods of unoccupancy or rental use. Our holiday home insurance UK policies protect you against damage, liability claims, and financial loss, ensuring you can enjoy your property worry-free.
If you let your property to paying guests, you’ll need holiday let insurance, which provides additional protection suited for rental properties.
We understand that every holiday home is different, so we provide tailored cover that meets your specific needs. Our standard policy includes:
Optional Add-Ons for Extra Peace of Mind
The cost of insurance on a holiday home depends on several factors, including:
There are some ways that you could potentially reduce the cost of your holiday home insurance including:
We specialise in holiday home buildings insurance, ensuring even properties with unique needs get the right cover.
Our tech-driven platform makes getting insured quick and easy, so you can focus on enjoying your holiday home, not worrying about paperwork.
We work with top-rated insurers, ensuring you get the best coverage at competitive prices.
Contact a member of our team today to get a quote or policy set-up in minutes. We offer sensibly priced, tailored holiday home insurance cost efficient packages.
Getting a holiday home insurance cover quote with Policy Powerhouse is quick and simple. To provide an accurate quote, we’ll need details such as:
Property location – Where your holiday home is situated.
Usage – Do you rent it out, or is it for personal use only?
Security features – Any alarms, locks, or additional security measures in place.
Rebuild cost – The estimated cost to rebuild your property in case of total loss.
Contents value – If you require cover for furnishings and belongings.
Our expert advisors are ready to guide you through the process, ensuring you get the best cover at the right price.
Holiday Home Insurance is different to standard home insurance as it is designed to cover properties that are not in full time use and that are used by friends and family. The liability cover covers your liability to both third parties and your guests.
The rebuild sum insured should represent how much it would cost to rebuild your holiday let (including any outbuildings) as they currently stand from scratch.
Policy Powerhouse has taken away the worry of getting this amount right for the policyholder.
We use data from a variety of sources to estimate the rebuild cost of the property.
Rebuild costs don’t include the cost of land, so in most cases it will be less than the property’s market value.
Make sure the rebuild sum insured is enough to cover the cost of rebuilding your holiday let including outbuildings, swimming pools, hot tubs etc. The costs for debris removal and professional architect and engineers fees should also be included.
You may alter the rebuild sum insured up to £1,000,000. Failure to insure for the full reinstatement value could result in the claims settlement being reduced.
Contents should always be covered on a new for old basis. You should insure the contents for the amount it would cost if you were replacing them at today’s prices.
The Policy Powerhouse holiday let insurance automatically offers £10,000 of cover free of charge. You may select any amount up-to £100,000. Typically, the average value of possessions in a holiday let property is approximately £20,000.
Policy Powerhouse is an insurance broking business focused upon niche insurance sectors providing contingency and property insurance expertise. The business operates as far as possible through its digital platform which is being created to provide exceptional customer engagement and seamless insurer reporting. Policy Powerhouse Executives each have over 30 years specialist experience of the sector and the business is also supported by an Advisory Board who have extensive experience within related sectors such as Technology, Marketing, Advertising & Investor relations. Policy Powerhouse Limited is authorised and regulated by the Financial Conduct Authority, FCA registration 946345 as an appointed representative of Innovative Risk Labs Ltd. Innovative Risk Labs Ltd is authorised and regulated by the FCA Registration 609155. You can check this by visiting Financial Services Register or by contacting the FCA on 0800 111 6768.
Policies typically allow a set unoccupancy period, often up to 30, 60, or 90 days. If your property will be empty for longer, we can arrange specialised cover.
Yes. Many insurers require minimum security standards, such as approved locks and alarm systems. Additional security measures may help lower your premium.
You should insure your home for the full rebuild cost, not just its market value. This ensures you’re fully covered in case of complete destruction.
With holiday let properties carrying an increased risk of damage, home emergency cover is a popular choice for owners that can’t be there 24/7 to
Holiday let properties offer smart investors the opportunity to grow their wealth, and entrepreneurs the ability to be their own bosses. But becoming a successful
The popularity of staycations has been on the rise in the UK for years. These holidays are a great way for Brits to see more
A carefully planned marketing strategy is an essential area to work through when starting a holiday rental business. It will ensure that your property is
For holiday let owners, getting to grips with the business elements of renting out your holiday property can be a daunting task. From insurance to
Public liability insurance protects holiday let owners from legal costs and compensation resulting from accidents that guests may have whilst on your property. Whether it’s
