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Holiday Home Insurance

Our holiday home insurance covers UK & European apartments, flats, cottages, chalets or second homes all year round, whether they’re for personal use or rentals.

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Holiday homes can be difficult to cover under standard insurance policies. Adler Fairways have developed a package of non-standard insurance products to cover your holiday home against many eventualities. Unlike standard insurance, our policies can cater for when the property is left unoccupied for long periods of time or if you are looking to rent it out when you are not there.

As a specialist home insurance broker, we provide a tailored service that offers a full range of holiday home insurance products for people who own properties which are not their main residence. Cover is available for commercial holiday homes or just family and friends, and we can usually offer cover for European holiday homes as well as in UK. Contents cover can also be offered as part of a combined holiday home insurance package or on its own.

Holiday home insurance policy features*

Cover typically includes:

  • Cost of temporary accommodation and loss of pre-booked rental income following loss or damage to your buildings
  • £5m property owner’s liability
  • Personal effects contained in your home included within your contents cover
  • Use when let to family, friends and others
  • Accidental damage cover for your buildings and contents while let (as long as proof of a signed rental agreement can be provided)
  • Cover under your contents insurance for replacement locks if your keys are lost or stolen
  • Cover of up to £500 for personal effects contained in the home and £100 for money included within your contents cover.

Typical exclusions include:

  • The first £100 of every claim (standard excess), except for an escape of water claim where the excess is £500, and a subsidence and landslip claim where you would need to pay the first £1,000
  • Accidental damage cover is not provided when the accommodation has been sub-let
  • 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, cover is not available for escape of water unless certain conditions are met.

    FAQs

    Is it more expensive to insure a holiday home?

    Generally, yes, holiday home insurance is more expensive than your standard home insurance. Holiday homes are used very differently from regular homes as the properties are often left unoccupied for extended periods or rented out to guests, both of which increase the level of risk. For example, burst pipes, electrical faults, or gas leaks may go unnoticed when the holiday home is empty, and this can result in more costly claims.

    As a specialist holiday home insurance broker, we’re able to look at the whole of the market to ensure that you’re getting the most affordable policy for your needs.

    What insurance do I need for a holiday home?

    Holiday homes need a greater level of protection to cover risks that aren’t typically included in standard home insurance, such as loss of rental income, liability for guests, and accidental damage while the property is let.

    How much does holiday home insurance cost?

    The cost of holiday home insurance depends on things like where the property is located (within the UK or Europe), how often the property is used, the value of the building and its contents, the level of cover you need, and your past claims history. Speak to a member of our team for an obligation-free quote for your holiday home.

    *This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

    Words from our clients…

    Shannonside Civil Engineering Ltd

    "Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

    John Hall, Director, West Midlands Fasteners

    "Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

    Faisal Ravat, Managing Director, E&S Motors Ltd

    "We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

    Frank Ryan, Director, Reirse Ryan Ltd

    "We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

    Gerald Doble, Director, G A Doble

    "The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

    John Dyke, Central Scaffold Walsall Ltd

    "As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall