Holiday Home Insurance
We tailor make our policies to suit our customers each and every need and, it’s no different for Holiday Homes.
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Specialist protection for Holiday Homes
At Grove & Dean Private Clients, we understand that insuring a second home requires more than a standard policy. Whether it’s a countryside cottage, coastal retreat or overseas property, we offer tailored insurance designed to match the unique nature of second homes.
With decades of experience in specialist home insurance, our systems are able to compare a wide range of underwriters to find the best value and most appropriate cover for your circumstances.
We offer flexible protection for a wide variety of building types, from traditional stone-built cottages to contemporary new builds, and provide cover whether your holiday home is located in the UK or abroad. Policies include essential features such as year-round protection for buildings and contents, and access to our UK-based call centre, with expert support available seven days a week, including bank holidays.
And however you arrange your cover—via our website, through our app, or by speaking to our knowledgeable team via LIVE CHAT—securing the right holiday home insurance is fast, simple and hassle-free.
Enjoy your time away with total peace of mind, knowing Grove & Dean Private Clients has your holiday home protected, wherever you are.
Benefits of Our Insurance Policies*
- Accidental damage to underground services
- Legal expenses
- Homeowners liability cover
- Garden contents cover
- Theft from outbuildings cover
- Holiday let options available
- UK based contact centre
*Terms, conditions & exclusions apply. Standard home insurance includes Home Emergency Assistance and Escape of Water cover, but these are not included with unoccupied home insurance.
We search our panel of leading underwriters to find you the best policy
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Holiday Home Insurance FAQs
What is holiday home insurance?
Holiday home insurance protects properties used occasionally as a second home rather than as a main residence. This type of insurance can cover the building, contents and certain liabilities associated with owning a holiday property. Because holiday homes may be unoccupied for longer periods, insurers assess factors such as location, construction and security arrangements.
Grove & Dean policies include benefits such as legal expenses cover and support services, subject to insurer terms, eligibility and policy wording.
Who should consider holiday home insurance?
Holiday home insurance is suitable for property owners who use a house, cottage or apartment as a second residence for holidays or occasional visits. Unlike standard home insurance, the policy reflects the fact that the property may not be occupied all year round. Insurers assess the property’s location, usage pattern and security arrangements before confirming eligibility.
Grove & Dean can arrange cover designed for properties used on a part time basis, subject to insurer criteria.
What does holiday home insurance usually cover?
Holiday home insurance can provide protection for the building itself along with contents kept inside the property. Policies may cover risks such as fire, storm damage, escape of water, theft and accidental damage depending on the cover selected.
Liability protection may also apply if someone is injured at the property.
Is the property covered when no one is staying there?
Holiday home insurance is designed to protect properties that may remain unoccupied between visits. Insurers usually apply certain conditions relating to security, maintenance and regular inspections when the property is empty. These conditions help reduce risks such as theft or damage while the property is not in use.
All Grove & Dean policies reflect insurer requirements for properties that are not continuously occupied, subject to policy terms.
Are belongings kept at the holiday home insured?
Holiday home insurance may include cover for furniture, appliances and personal belongings kept at the property. This can include items such as beds, sofas, kitchen equipment and household contents used during holidays. Insurers normally apply limits to contents cover and may require higher value items to be declared separately.
Grove & Dean can arrange contents protection subject to insurer terms and policy limits.
Does holiday home insurance include legal expenses cover?
Legal expenses cover may be included with holiday home insurance to help recover certain uninsured losses following an insured incident. Legal assistance may be available where there is a reasonable prospect of recovering costs from a responsible party. The scope of protection depends on the policy wording and insurer conditions.
Grove & Dean policies often include legal expenses cover as part of the overall policy protection, subject to eligibility.
How do insurers calculate holiday home insurance premiums?
Holiday home insurance premiums are calculated using several factors assessed by the insurer. These commonly include the property’s value, construction type, location and security arrangements.
Insurers may also consider how often the property is occupied and whether it is used solely by the owner or by guests.
Can a holiday home be insured if it is used several times a year?
Holiday homes used regularly throughout the year can still be insured. Many owners visit their second property during different seasons or at weekends. Insurers assess the pattern of occupancy and whether the property remains empty between visits when arranging cover.
Grove & Dean can arrange policies designed for properties used intermittently, subject to insurer terms.
Is liability protection included with holiday home insurance?
Holiday home insurance may include liability cover relating to the property. This protection can apply if someone is injured or their property is damaged as a result of an incident connected to the holiday home.
Liability cover helps protect the owner against certain legal claims.
What benefits are included with holiday home insurance?
Holiday home insurance policies often include practical features designed to support property owners if an incident affects the building or its contents. These may include legal expenses cover and assistance services depending on the policy selected. Having these features within one policy can simplify protection for owners.
Grove & Dean policies may include these legal expenses benefits as standard, subject to insurer terms, eligibility and policy wording.
Why choose Grove & Dean Private Clients
- Independent and impartial. As we’re not tied to any single insurer, we’re free to compare quotes across a panel of up to 100 leading UK underwriters. This means we can always focus on getting you the right cover at the most competitive price - whether you need 3rd party, fully comprehensive or something more specialist.
- Expertly Chartered. We’re a Chartered Insurance Broker, backed by over 50 years of family business heritage. That means we work to the highest professional standards, providing a service you can trust.
- Smart, streamlined systems. Our digital platforms make everything easier. From a quick quote to managing your policy and documents, our app and online tools put you in control, anytime, anywhere.
- On your side when it matters. If you need to make a claim, we’re here to help - not hinder. As an independent broker, we’ll act on your behalf to resolve issues fast, whether it’s organising a courtesy car or arranging a repair. Our claims support runs 24/7, every day of the year.
- Always available. You can access your policy details, request quotes or get support whenever it suits you. Our online account system runs around the clock, and our experienced team is available six days a week for anything you need.
Combining the latest and most efficient digital systems with decades of real-world insurance expertise, Grove & Dean Private Clients delivers outstanding cover, competitive pricing, and service that truly works for you.
