Holiday Home Insurance for UK and Overseas properties
Whether your holiday home is a house, apartment, flat,
cottage or chalet based in the UK or Overseas, we can help to find
the right holiday home insurance policy for you.
If you are just purchasing or are renewing your second home
insurance cover, Towergate Insurance offers holiday home insurance
which covers your property all year round, whether it is occupied
by you, let out to others or is unoccupied. Prices on our second
home insurance policies start at £97.50 and our friendly,
knowledgeable staff will be pleased to help you find the right
cover.
Many people have a property outside the UK and Towergate
Insurance specialise in providing overseas home insurance. To check
which countries are covered in our overseas holiday home insurance
visit our Details page.
Key features of our holiday home insurance
- 'Overseas
Assist' our 24-hour emergency helpline (English-speaking) with
overseas policies
- Policies are underwritten by a consortium of leading UK
insurers
- Cover for temporary accommodation and loss of rental
income
- £5 million property owner's liability insurance
- Accidental damage cover (as long as proof of a signed rental
agreement can be provided)
- Cover when let to family, friends and others
- Wider cover than most foreign insurers
Excess options
- Standard excess: £100
- Escape of water excess: £500
- Discounts available for excesses of £250 or £500
Exclusions
- Accidental damage cover is not provided when the accommodation
has been sub-let
- No cover for theft if the minimum security requirements are not
met
- Cover is not available for earthquakes in Greece and Italy
- We currently don't cover subsidence, heave and landslip in
Italy, Greece, Southern Cyprus, Bulgaria and Southern Ireland
- When the holiday home is unoccupied for a period of time cover
is not available for escape of water unless certain conditions are
met
Overseas Static Caravan Insurance
If you have a static caravan in France, Spain or Portugal, we
can insure both the property and its contents. An overseas
static caravan insurance policy from Towergate Insurance
is an excellent way to protect your overseas static caravan.
