Details and documents - Holiday home insurance

We know that holiday home owners often use their property for holiday letting, short breaks and longer holidays. That's why, unlike other insurers, we have tailored our holiday home insurance policy to cover your property regardless of whether it is empty, you and your family are using it or you are letting it out to others.

We also give you and anybody renting your property access to a 24-hour emergency helpline: a trained advisor with local knowledge will help you source a tradesman if you have a domestic emergency such as a burst pipe.

Our insurance specialists understand your needs as a holiday home owner and will give you expert advice and an efficient service. Please call us for a great price for you.

Key policy features

• 24-hour domestic helpline to help you source a local tradesman in an emergency
• Cover for your property - occupied or empty
• Cover applies when your property is rented out or used by you, friends or family
• Includes cost of temporary accommodation and loss of pre-booked rental income following loss or damage
• Underwritten by a consortium of leading UK insurers
• £5 million property owner's liability cover
• Accidental damage cover while occupied by you or your family
• Cover 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

Location

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

24-hour domestic helpline

Towergate Connect offers a 24-hour domestic helpline, administrated by DAS. If you have a domestic emergency at your property, such as a burst water pipe or storm damage, the 24-hour domestic helpline will help you source a local tradesman.

Policy documents

• Policy summary (41kb)
• Policy wording (742kb)
• Terms of business (80kb)

For specific questions about this policy see frequently asked questions.