holiday home insurance cover by intelligent insurance
Specialist holiday home cover

Holiday home insurance

Holiday home insurance is a must for UK property owners looking for great protection and absolute peace of mind. With our help, you can get the right high-quality coverage at a competitive price. Whether it’s just your personal getaway, for close family or friends, or tenants you let your holiday home out to, we’ll make sure it’s well protected.

Your Holiday Home, Covered.

holiday home insurance

Why Protect Your Holiday Home

Holiday homes are frequently rented out or left empty for long periods. This makes them more vulnerable to damage, vandalism, and break-ins. Standard home insurance usually does not cover these risks. A specialist home insurance provider can assist.

We cover most types of properties. With our Defaqto 5-star rating and excellent customer service, your holiday home will be in safe hands.

  • Competitive cover for UK holiday homes
  • Unique non-standard homes and circumstances are our speciality
  • Rated Excellent for service by our customers
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Holiday Home Coverage Tailored to You

An Intelligent approach to Holiday Home Cover

Intelligent Insurance approaches Holiday Home Cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.

This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.

We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.

What we provide

Buildings cover up to £1,000,000
To repair or rebuild your home, as standard by Defaqto, an independent financial research company
Alternative accommodation
Temporary accommodation in the event your home is uninhabitable
Replacement locks and keys
For lost or stolen keys
Trace and access cover
Replacement and repair to any parts of the building that are removed when tracing escape of water

What isn't included?

We don’t cover loss or damage
  • Caused by wear, tear or gradual deterioration
  • That occurred before the policy started
  • Caused by vermin, insects, pets
  • Caused by dishonest, wilful or deliberate acts
  • Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
Cover restrictions
  • you are only covered up to the maximum claims limits shown on your schedule
  • you are responsible for any excesses stated in your policy
  • any exclusions or restrictions shown by endorsement in your schedule

Looking for extra protection? Upgrade your holiday home cover

  • Family Legal Protection Plus

    Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.

  • Accidental Damage

    Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass


Frequently Asked Questions About Holiday Home Policies

Yes! The unique risks associated with holiday homes—like extended periods of being unoccupied require specialist holiday home cover for full protection against vandalism, theft, and weather damage, unlike standard home insurance policies.

Yes. Our cover provides extensive coverage for both the building and the contents of your holiday home, ensuring it is well-protected against a variety of risks. This gives you, the homeowner, complete peace of mind.

Don’t worry! We’re specialist holiday home insurers and cater for very unique property types and circumstances. Whether you have a charming cottage, a modern loft conversion, or a cosy coastal retreat, we can provide cover to address your specific needs and potential risks associated to your holiday home.

Our coverage is focused on holiday homes located within the United Kingdom and does not extend to properties abroad.

Enhance your holiday home’s protection with our range of additional coverage options, including accidental damage, legal expenses, and valuable personal property cover, allowing for a policy that’s perfectly adapted to your holiday home’s needs.

Still have questions? Visit our help centre

Arranging Cover For Your Holiday Home

Unlock comprehensive protection for your UK holiday home with Intelligent Insurance today.

Getting a quote is straightforward and quick, typically requiring less than ten minutes. Simply click ‘get a quote’ and answer a few questions to receive your holiday home insurance quote from a panel of insurers.

Our team is also available to help via live chat

Key features include:

  • Defaqto 5-Star Rating
  • Tailored quote for your specific holiday home
  • Competitive prices
  • Respected UK insurance underwriters
Holiday Home Insurance

Get an online quote for your holiday home, tailored to your needs

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Speak to a member of our team

For help with a quote for your holiday retreat, use our online chat to speak with a member of our team

Live Chat

*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.

Names you can trust to protect your holiday home

Intelligent Insurance | AXA Panel Member
Allianz Insurer
Intelligent Insurance | Pen Underwriting Panel Member
Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member

Get Your Holiday Home Quote Today

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