Compare Californian Holiday Home Insurance

We have all the information you need to choose your holiday home insurance California

You want your California holiday home to be protected whether you’re there sunning it up, or back in the UK patiently waiting for your next visit. We’ll talk you through all the basics of Californian holiday home insurance so you can pick the right quote for you.

Can a UK insurance company insure a holiday home in California?

Yes, there are a number of UK-based companies which will cover properties in the USA. So, we can offer you a number of quotes to choose from, without the burden of time-zone clashes.

Is it more expensive to insure a holiday home in the USA?

What bumps insurance price up is not the fact that the property is overseas itself, but that a property is used for holidays, rather than as a main residence.

Holiday homes sit unoccupied for long periods, putting them at greater risk of vandalism, theft, squatting, and damage that remains unnoticed. The higher expense of your insurance is a reflection of this risk.

Is there cover which I need to add to my Californian holiday home insurance?

Fire, flooding, and earthquakes are all natural disasters which some homes in California are vulnerable to. Research your property’s region and work out whether this type of cover is needed.

I might only get to my Californian holiday home once a year. Will my insurance still cover my property?

Some insurance companies only cover an empty holiday home for a maximum of 90 consecutive days, which would naturally pose a problem to you. Look out for insurers that allow unlimited unoccupied days.

What type of property will holiday home insurance California cover?

With our selection of insurers, you are likely to secure insurance cover for a:

• Villa
• Apartment / condo
• House / bungalow
• Static home (sometimes referred to as a trailer)

Some specialist insurers will also cover log cabins, though insurance for these properties comes at a premium due to their high risk of fire and water damage.

My Californian holiday home has a pool. Will my insurance cover it?

If your pool isn’t covered as standard, it will be easy to add it on. Likewise, you can add on other leisure facilities – tennis courts, for example.

How can I reduce the cost of my insurance?

Paying annually and contributing a higher excess will help cut your costs.

Security is also a key factor, so make sure your overseas property is secured with window and door locks, burglar alarms, and CCTV.