Holiday home insurance

Towergate Connect have over 25 years of experience providing holiday home insurance, helping you to protect your vacation property. Whether your property is a house, apartment, flat, cottage or chalet, we can help to find the right holiday home insurance policy for you at a price which suits your budget.

Second home insurance

Whether you are just purchasing or are renewing your second home insurance cover, Towergate Connect offers policies which cover 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.

Key features of our holiday home insurance

• 24-hour emergency helpline
• 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

Excess options

• Standard excess: £50
• Discounts available for excesses of £250 or £500

Locations

• England
• Scotland
• Wales
• Northern Ireland
• Channel Islands
• Isle of Man

For properties located in Ireland, Europe, and beyond, see the overseas home insurance policy.

Main exclusions

• Accidental damage not covered when let, unless accidental damage cover is selected (subject to a signed rental contract being in place)
• No cover for theft if minimum security requirements are not met
• Storm, flood, hail or snow damage to garages, fences, gates, hedges, swimming pool covers and outbuildings of light construction
• No cover for any item over £3,000 unless specified on your schedule
• When the holiday home is unoccupied for a period of time cover is not available for escape of water unless certain conditions are met

For more information on this policy refer to details and documents.