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Can I get standard home insurance for a holiday chalet?

Owning a holiday chalet can come with several unexpected risks, which is why it’s important to get proper holiday home insurance for your chalet.

Whether it’s UK or overseas chalet insurance you need, you can compare quotes from many different insurers to help you find the right policy.

No, normal home insurance doesn’t cover properties that are left unoccupied for 30 days or longer at a time. Nor does it cover chalets that are rented out as holiday homes. You’ll need specialist insurance for your holiday chalet.

How long can I leave my holiday chalet empty for?

Most insurance policies will allow you to leave your chalet empty for indefinite amounts of time. However, some policies will have a limit on how long you can leave the property vacant. It’s important to compare different insurance quotes to find the policy that works for you.

What does holiday chalet insurance cover?

Standard holiday chalet insurance usually covers damage to your property from fire, water damage, vandalism, and other common risks. The exact cover will depend on the insurance policy you get. There are also several additional types of insurance you can buy.

What extras are available?

Most insurers will allow you to add extra insurance. This can include contents insurance to protect furniture and personal belongings contained within your holiday chalet. You can also get legal insurance or emergency home repair insurance in case of incidents.

Do I need insurance if I rent out my holiday chalet?

Yes. If you rent out your holiday chalet, either directly to clients or through an agency, you’ll need holiday let insurance. In this case, you may also need public liability insurance to protect yourself in case a member of the public is involved in an accident whilst on your property.

Do I need employer’s liability insurance?

If you employ someone to maintain your property as your employee, you may need employer’s liability insurance. This type of insurance covers costs if your employee gets hurt whilst working for you, and can include cleaners and gardeners.

Why is holiday chalet insurance more expensive than home insurance?

Holiday chalet insurance may be more expensive than insurance for your primary home because a holiday property is considered higher-risk. This is because leaving a property empty for long periods of time makes it more attractive to burglars and vandals, as well as causing a greater risk of fire or water damage, since problems may not be noticed and fixed in a timely manner.