Welsh holiday home insurance

Get cheap quotes for holiday home insurance in Wales from across the UK.

Wales can be an ideal holiday destination for a lot of people. The mild climate and the stunning natural surrounds make it an attractive place to have a holiday home, letting you explore your favourite area and enjoy the Welsh countryside again and again. However, owning a holiday home in Wales does come with certain risks. It is important to get the right holiday home insurance to protect yourself from unexpected costs if something goes wrong.

If you want to find cheaper insurance, you can compare quotes for holiday home insurance in Wales. Many providers from across the UK will offer quotes, letting you find the right type of insurance for your Welsh holiday home, as well as giving you a chance to save money.

Do I have to get holiday home insurance?

It is not usually a legal requirement to insure your holiday home. However, you should consider the risks involved. Holiday home insurance can help you avoid unexpected costs if something goes wrong, and can help you find local people to help put right any issues.

If you have a mortgage on your holiday home, your mortgage provider may also have rules stating that you need adequate holiday home insurance.

Can I get normal home insurance for a Welsh holiday home?

No. Normal home insurance is designed to cover someone’s main property. It is not designed for homes that will be left unoccupied for long periods of time – generally 30 days or longer at a time. You need to make sure you get proper holiday home insurance for a holiday home in Wales.

Why is Welsh holiday home insurance more expensive than home insurance?

Holiday home insurance is generally more expensive than standard home insurance because leaving a property empty for long periods of time opens it up to additional risks. For example, empty properties may be a more attractive target to burglars or vandals. Also, small problems may not be noticed in time, such as a leaking pipe which can cause major water damage to your property.

What does Welsh holiday home insurance usually cover?

Like home insurance, the basic type of insurance for holiday homes in Wales is property insurance. This is to deal with the costs if the building is hit by an unforeseeable incident, such as a fire, flood, storm, or break-in.

Can I buy additional cover for my Welsh holiday home?

Yes. Most insurers will allow you to add cover to your insurance policy. This can include contents insurance, which protects your personal belongings, electronics, and furniture. You may also want to consider legal cover in case of any legal disputes relating to your property, or emergency repair cover which helps you find local tradespeople in an emergency.

Can I insure any type of property?

Yes. However, if you have a non-standard construction type building, you may need specialist insurance to cover additional risks, such as log cabin insurance.