Holiday Homes FAQs
Read our most frequently asked questions listed below. To narrow down your search try selecting a specific category or if you cannot find the answer you are looking for please do not hesitate to contact us.
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- Buildings Insurance FAQs (26)
- Buy To Let FAQs (31)
- Claims FAQs (3)
- Commercial Insurance FAQs (11)
- Commercial Vehicle Insurance (8)
- Contents Insurance FAQs (23)
- Documents FAQs (3)
- DSS Insurance (2)
- Flat Insurance FAQs (4)
- Hairdressers/Beauty Salons FAQs (7)
- HMO Property FAQ (8)
- Holiday Homes FAQs (17)
- Household Insurance FAQs (5)
- Insurance Types FAQs (9)
- Landlord Insurance FAQs (36)
- Legal Expenses FAQs (2)
- Liability Insurance FAQs (3)
- Listed Buildings FAQs (9)
- Live-in Landlord FAQs (3)
- Multi Property FAQs (11)
- Policy Cover FAQs (19)
- Professional Tenants (1)
- Pub & Restaurant FAQs (4)
- Tenant Types FAQs (10)
- Unoccupied Properties FAQs (9)
- Wholesalers FAQs (8)
How long is a quote valid for?
30 days.
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Will I be covered if I let out my home on Airbnb?
CIA are able to cover holiday homes that are let out through Airbnb. Just call our experts on 01788 818670 to get a quotation.
If you rent a room or rooms within your own home whilst living there, we are able to offer cover subject to certain conditions. Call us on 01788 818759 for a quote.
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How much should I insure my holiday home for?
To get a quote for holiday home buildings insurance, you need to provide the rebuild value. This refers to how much it would cost to rebuild the property if it was destroyed and can be calculated using the BCIS calculator.
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Can I get holiday home insurance for properties abroad?
CIA cannot offer holiday home insurance for properties abroad. We cover UK properties only.
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Does holiday let insurance cover pet damage?
There is no insurance cover available for pet damage to your Holiday Home, rental property or even your own home.
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How to get cheaper holiday home insurance
To get cheaper holiday home insurance, pay annually and attend to repairs straight away. You can also get cheaper cover by comparing policies from different providers.
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What types of property are covered?
Any property that meets the definition of a holiday home is covered. Properties that are vacant for more than 30 consecutive days are protected, which is more likely with a holiday home as trips are often seasonal.
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How long does my holiday home have to be occupied?
Once a property has been unoccupied for 30 consecutive days it is classed as unoccupied and you will have to adhere to the unoccupancy conditions detailed in your policy to ensure you are covered for the perils stated on your policy. As long as your property is being used as a Holiday Home there is no minimum time this has to be occupied.
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Can standard home insurance cover my holiday home?
No, standard home insurance doesn’t cover holiday homes. You need to take out a specialist policy.
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Will I be covered if I let out my home on Airbnb?
CIA are able to cover holiday homes that are let out through Airbnb. Just call our experts on 01788 818670 to get a quotation.
If you rent a room or rooms within your own home whilst living there, we are able to offer cover subject to certain conditions. Call us on 01788 818 759 for a quote.
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Home selling secrets
Amina was very helpful in sorting out my landlord’s insurance and spotted an error in my cover which helped reduce my premium.
First time landlords
We are first time landlords and you gave good advice and the process was easy and good value.
A pleasure to deal with
A pleasure to deal with, the lady on the phone was a credit to her company.