Cheap Holiday Home Insurance
Holiday home insurance is designed to protect your second property against damage, theft, or liability while it’s unoccupied or rented to guests. In Ireland, many holiday homes are located in coastal or rural areas, where storm or flood damage can be a greater risk. Have you considered what would happen if your holiday home were damaged or destroyed, for example, by a fire? If rebuilding it would be a challenge, even if you own the property outright, it’s a smart idea to insure it, just as you would with your main home.
Since holiday homes are often left unoccupied for extended periods, they face unique risks, including burst pipes, water leaks, and even break-ins. That’s why having holiday home insurance is so important!
Keep in mind, though, that additional conditions or restrictions may apply for certain types of coverage, such as water damage, theft, vandalism, or storm-related issues. These measures are usually in place because unoccupied homes are more vulnerable to such incidents. Protecting your holiday home can give you peace of mind so you can truly relax and enjoy it. If your second property is a mobile or static caravan, see our Caravan Insurance Ireland page.
What Does Holiday Home Insurance Cover?
Insuring your holiday home works a bit differently than insuring your primary residence. That’s because standard buildings and contents insurance policies usually remain valid only if the property is empty for no more than 30 days at a time. If you plan to leave your holiday home unoccupied for extended periods, you’ll need a specialised policy designed for this.
These policies might cost a bit more than standard home insurance because they cover the added risks of leaving a property unoccupied for longer periods, but don’t worry, we’re here to help you find a policy that offers the right balance between coverage and cost
Building insurance for a holiday home generally works the same way as it does for your primary home. It protects against damage from events such as fire, flooding, or theft. However, the details of what’s covered can vary between policies, so it’s always a good idea to read the fine print carefully. You might also want to think about adding contents insurance. It’s easy to underestimate the cost of replacing your belongings if they’re stolen or damaged.
We’re here to make the process simple and stress-free so that you can enjoy your holiday home with peace of mind. Compare online home insurance quotes or phone us on 042 935 9090 and we will be happy to help!
Our team specialises in Irish property insurance and can guide you through the right cover for your second home. Compare Insurance Ireland is 100% Irish-owned and regulated by the Central Bank of Ireland, providing trusted insurance comparisons since 2014.