If you have a second home, then you’ll want to make sure it’s protected against the unexpected, just as your main residence is. It’s subject to all the same risks after all, and perhaps even more if it’s often unoccupied or rented out to strangers.
Keep your home away from home protected whether it’s occupied or unoccupied, rented out or not, with holiday home insurance.
A holiday home is a property that you own that isn’t your main residence. You might use it for much-needed getaways throughout the year, rent it out to friends and family when you’re not using it or even let it out to paying guests.
Depending on how often you use your holiday home, you might be able to take out regular home insurance for it. But many home insurance policies won’t cover properties that are unoccupied for more than 30 days.
With Saga, if your holiday home is never left unoccupied for more than 60 days in a row, then we can cover you with our Saga Select home insurance. If it’s only used by family and friends then we can add Home Emergency cover, legal expenses insurance and specified personal belongings cover too.
Please note: if the property is let out to paying guests, we’ll need to let the underwriters know.
If your holiday home is left unoccupied for more than 60 days in a row, then we may still be able to cover you, but the cover might be more limited and the premiums higher. That’s because an empty property is more at risk of burglary and damage. If there’s a leak, for example, you might not notice it until it’s already caused significant damage.
No, you’re not legally required to take out holiday home insurance cover. But if you have a mortgage, there’s a high chance that your lender will make buildings insurance compulsory. It’s up to you what level of additional insurance you take out, but it’s a good idea to get contents insurance to cover your furniture and possessions in case they’re damaged, stolen or lost.
Insurance for holiday homes is typically split into buildings insurance and contents insurance:
Specialist holiday home insurance might also include accidental damage, loss of income and public liability insurance.
This depends on your policy.
It’s important to read the terms and conditions of insurance policies before you make your decision.
Yes. At Saga, we don’t offer holiday home insurance for properties overseas, but you’ll be able to find it elsewhere. If you choose to insure your overseas home with a local provider and aren’t fluent in the language, make sure you choose a provider that offers policy documents in English, as it’s very important that you know exactly what’s covered and what’s not.
You can use Saga Select home insurance, but you won’t be able to add on any extras like Home Emergency cover and legal expenses insurance.
When used to insure a short-term holiday let, our policy is unable to provide certain types of cover, such as accidental damage, business liability, or loss of income.
Before letting out your holiday home on a short-term basis, please contact us as we may require some additional information.
This varies between providers and policies. With Saga home insurance, you can leave your property empty for up to 60 days without informing us.
There's plenty to explore and learn about our home insurance cover.
Fix the price for the next 2 renewals with Saga Plus home insurance. You'll have no surprises when you come to renew. T&Cs apply.
Protect your property with buildings insurance. We offer up to £1 million cover, three-year fixed price and no cancellation fee.
Protect your favourite things against theft, fire and accident with up to £100,000 content cover at a 3-year fixed price.
A higher level of buildings and contents cover for the over 50s with Saga TailorMade Home Insurance.
Tailor your home insurance policy to suit your needs with optional extras such as Saga Home Emergency and Legal Expenses.
Get cover for home emergencies with a 24/7 emergency helpline, unlimited callouts and up to £2,000 per incident. Optionally include cover for your boiler & heating too.
Insure your holiday home for peace of mind that it’s protected, even when you’re not there.