Owning a holiday home can be an incredibly rewarding experience, whether it serves as a peaceful retreat for your family or a valuable business investment. However, it also brings unique responsibilities and having the appropriate cover in place could prove essential to help protect your property and offer you peace of mind.
Why consider taking out a holiday home insurance policy?
Without the appropriate holiday home insurance for your holiday home, caravan, chalet and/or lodge, you might find yourself facing financial difficulties if something unexpected happens to your property, leaving you to cover the repair costs out of your own pocket. A household insurance policy might not be suitable for a holiday home, especially if you're letting it out to paying guests.
You may need to consider specialist insurance that can cover both the structure and contents of your holiday home. This way, you can feel confident that your assets are appropriately protected, no matter how you choose to use them.
What does holiday home insurance from Gallagher cover?
Similar to your residential home insurance policy, the cover we provide for holiday homes includes structure and contents insurance. However, this specialist policy is designed to meet your needs as a holiday home owner — whether you are looking for holiday let insurance because you have paying guests or simply to insure your holiday home for your own use and/or use by family or friends.
The definition of structure in the policy extends to include steps, decking, patios, fixed storage chests, skirting, fences and gates, hot tubs and gas bottles. The additional costs of the site clearance, transport of the new structures and siting are also included in the sums insured. The contents insurance covers the household goods, personal possessions and clothing inside your holiday home.
The policy covers the main risks you would expect to in a household insurance policy—storm damage, damage to heating/plumbing through frost, theft, fire, flood, escape of water, lightning, explosion and subsidence.
Other benefits include
- Accidental damage cover as standard, to your structures and contents
- Cover for damage caused by vermin
- Cover for damage caused by pets
- Allows for cover whilst your unit is being hired by others (an increased excess will apply), and can include the following:
- Public liability
- Alternative accommodation
- Loss of rent
- Cover for periods when your holiday home is left unoccupied
Policy limits and exclusions may apply. Please see the policy documentation for full terms and conditions.
We can give you more detailed information on what is covered by the structure and contents insurance in the policy, and talk you through insuring your property. Please feel free to contact us for a quote on 0800 138 7533 and we'll be happy to help.
Support with your policy and the claims process
We understand the need for peace of mind that your holiday home will continue to be an investment. Not only can we deliver 5-star Defaqto expert rated insurance cover, our specialist team will provide support with your policy and any claims that may arise. Some of our policies are administered by your park operator, so there should already be a certain level of trust and understanding, which makes the process easier for all concerned.
We help ensure your holiday home can be repaired quickly and efficiently. We may also offer the option to pay for your policy via direct debit, which removes another potential headache, and allows you to focus on enjoying your property.
Click here to view our Holiday Home Owner FAQ's.
Why choose Gallagher for your holiday home insurance?
- Specialist team: Our professional team has extensive years of experience in the holiday and home parks industry, so we understand the challenges you face
- Proven In-house claims team reliability: Over the past five years, we've paid 9 out of 10 claims*
- Trusted Partnerships: Over 1000 parks already trust to work with us
- Defaqto 5-star rated holiday home cover: Providing one of the highest quality rated offerings on the market**
* Claims based between 1st January 2021 and 31 December 2025.
** You can review our Defaqto 5-star rating independently on the Defaqto website
If you'd like to speak to us about taking insurance for your holiday home, we encourage you to get in touch. You can call us on 0800 138 7533 and we'll help to find cover that's suitable for you.