Florida Holiday Home Insurance

Can I get normal home insurance for holiday homes?

No, normal home insurance is intended for your primary residence. It usually won’t cover properties that are left empty for long periods of time (usually 30+ days). You need to make sure you get proper holiday home insurance for holiday properties in Florida.

The warm weather and laid-back lifestyle in Florida make it especially appealing as a holiday home location. Making sure your holiday home is properly insured is a step which is often overlooked. Holiday home insurance can be pricey, but if you compare quotes, you can save money and find exactly the right kind of cover for you.

Why is holiday home insurance Florida more expensive?

Holiday home insurance tends to be more expensive than regular home insurance because a holiday home is considered a higher risk than a permanent residence. This is because holiday homes are left unoccupied for longer, which can lead to more complications. An empty property is more appealing to burglars, for example. Or, you may not notice a leaking pipe until it has caused significant damage.

Is insuring my Florida holiday home a legal requirement?

Generally, no. If you have a mortgage, however, your mortgage provider may state that you need holiday home insurance.

Do I need special insurance to rent out my holiday home in Florida?

If you intend to rent out your property as a holiday let, it’s worth looking into holiday letting insurance. This type of insurance usually covers you for short-term lets, in case a member of the public has an accident on your property.

What type of properties can I insure?

Some special types of buildings may need specialist insurance – for example, wooden construction buildings might require log cabin insurance, due to the increased risk of fire or water damage.

Can I insure Florida holiday homes with UK insurers?

Yes, many UK insurers will offer policies to insure your holiday home in Florida. This is convenient when it comes to avoiding time-zone clashes.

What does Florida holiday home insurance cover?

Florida holiday home insurance most commonly includes building cover to protect your property in case of fire, floods, storms, or break-ins. Most insurance companies will allow you to add additional cover as well. For example, you may want content cover to protect your personal belongings and furniture contained within the property, or legal cover in case of any legal disputes.