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Insurance
If you aren’t sure if you need insurance or not, then you are not alone. So many…
24.08.2022
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Why Choose Us For Holiday Home Insurance?
If you want an excellent holiday home insurance policy, you need to give Livingstones Insurance a call. Why? We offer the following benefits:
We always go above and beyond to ensure you get the right holiday home insurance policy, protecting your valuable assets – even when you’re not in them!
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Customer Rewards
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Customer Service
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
Monthly installments
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why do you need Holiday Home Insurance?
If you own a second or third property in a different location, you will need holiday home insurance to keep it protected.
Regular home insurance won't cover your holiday homes
Holiday homes are at a high risk of being broken into when left unoccupied for months on end
Holiday homes are more vulnerable to damages as well
If your property is rented out, you need holiday home insurance to protect against poor tenant maintenance
It protects your finances in case accidents or problems arise
You can add protection for loss of rent if tenants don't pay up
Cover yourself if any legal issues arise between you and your tenants
Insure homes in different countries
Gain public liability coverage if anyone is injured in your holiday home
Add employer’s liability insurance if you employ cleaners/gardeners
Make your holiday homes more appealing to prospective tenants
Protect all of the belongings and items in your holiday home
Stress less knowing your holiday homes are financially protected
Holiday Home Insurance FAQs
If you have a second property that's either unoccupied for portions of the year or rented out, you may need this insurance.
Yes, these are the two main coverage types in a standard policy.
Of course, you can add Emergency cover, Accidental Damages cover, Courtesy Accommodation cover, Loss of Rent cover, Liability cover, and much more.
Yes, we let you protect your property even if it's in a different country!
The difference lies in the frequency with which you're in the property. If you rarely occupy the property or only go their during holiday periods, it will be classified as a holiday home. Second home insurance is more for when you own a property that you frequently occupy.
Yes, this insurance is designed to provide cover in situations where your holiday home is rented out to others.
All types of property are generally covered by this insurance. This includes houses, apartments, chalets, static caravans, and so on.
No, holiday home insurance is intended for properties that you actually use yourself, even if they are rented for short periods.
It depends on the amount of coverage you want to add to your policy, along with the size of your property and the value of what's in it. These two factors are key for determining the cost of buildings and contents coverage.
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