How to Choose the Best Insurance Policy for your Holiday Home
If you’re wondering how to choose the best insurance for your holiday home, then think about how your holiday home fits into your life.
Every holiday home is used a little differently. Some are visited regularly throughout the year, while others are enjoyed seasonally, rented out or left unoccupied for extended periods. These patterns can influence how suitable a particular insurance policy may be.
It can be useful to reflect on things such as:
- How often the holiday home is occupied
- Whether it is left empty for long stretches
- If friends or family ever stay there
- If it is rented out
- What belongings are left inside between visits
Why the cheapest policy may not always feel right
While price naturally plays a role, the lowest premium does not always offer the most reassurance. In some cases, a cheaper policy may rely on narrower cover, higher excesses or exclusions that only become visible when you need to make a claim.
You may find it reassuring to look beyond the headline figure and consider:
- What situations are actually covered
- What the exclusions are
- How common risks, such as storm or accidental damage, are treated
- Whether the policy feels clear rather than overly technical
- Looking closely at what is included as standard
Holiday home insurance policies can differ in subtle but important ways. Buildings and contents cover are usually central, but the definition of what is included can vary.
It may help to explore:
- How the structure of the holiday home is defined
- Whether features like decking, skirting or steps are included
- What limits apply to contents and valuables
Consider optional cover in a measured way
Some policies allow you to add optional benefits, which can be useful if they genuinely reflect your needs or concerns. Rather than adding everything available, a more measured approach can help keep cover both relevant and cost-effective.
Optional extras you might want to think about include:
- Legal expenses cover
- Emergency assistance
- Enhanced cover for higher-value items
The experience behind the policy can matter
Insurance often only comes into focus when something goes wrong. At that point, the way a claim is handled can shape the entire experience.
Some owners find reassurance in considering:
- How easy it is to speak to someone knowledgeable
- Whether claims are handled within the UK
- Independent feedback from other policyholders, a quick look at Feefo or other review sites can help here.
The benefit of specialist holiday home insurance
Holiday homes come with their own characteristics, and insurers with specific experience in this area are often more familiar with the practical realities involved.
Specialist providers of holiday home insurance, such as Park Home Assist, tend to understand:
- Non-standard construction
- Holiday park rules and site requirements
- Seasonal patterns of use
A flexible way of approaching holiday home insurance
At Park Home Assist, the emphasis is on flexibility – allowing holiday home insurance cover to be shaped around individual needs rather than forcing owners into a rigid policy structure. This approach can be particularly helpful for those who want protection that feels proportionate, not excessive.
Revisiting your cover from time to time
Choosing the best insurance policy for your holiday home is rarely a one-time decision. Over time, values change, features are added, and usage patterns evolve.
A gentle review now and then may help ensure:
- Sums insured remain realistic
- Optional benefits still feel appropriate
- You continue to receive good value for money
Please note that all insurance cover is subject to acceptance of terms and conditions.
This is a marketing article from Park Home Assist, multi award-winning providers of park home insurance, mobile home insurance, insurance for static caravans, insurance for holiday homes and holiday lodges, as well as boat insurance and touring caravan insurance. If you have any questions about your insurance, then please call our office on 01604 946 796 and one of our insurance advisers will be happy to help.
Published – 13/02/26
