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What is Holiday Home Insurance?

Holiday Home Insurance is designed specifically for properties that aren’t your main residence. Standard home insurance usually doesn’t cover these types of homes due to their irregular occupancy or use as short-term lets.
This policy protects your property against damage, theft, liability, and more—even when you're not there. 
 

Owning a holiday home or second property is a great investment—but it comes with unique risks. Whether it’s a coastal cottage, countryside retreat, or city apartment, our Holiday Home Insurance gives you year-round peace of mind.

We provide specialist cover whether the property is used occasionally, let out to guests, or left unoccupied for longer periods.

Hard-to-Insure Homes
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Insurance for Non-Standard & Hard-to-Insure Homes

Who is it for?

Our cover is ideal for:

  • UK-based holiday cottages, beach houses, and country retreats
  • Second homes used occasionally by you and your family
  • Holiday homes let out to paying guests, including Airbnb and short-term rentals
  • Properties left unoccupied for long periods
  • Second homes shared between family members or co-owned
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What does Holiday Home Insurance cover?

We also offer cover for overseas holiday homes (please enquire for eligible countries).
Our flexible policies can be tailored to suit how you use your property:

Buildings Insurance

Protection from fire, flood, storm, escape of water, and more.

Contents Insurance

Cover for furnishings, appliances, and personal belongings left at the property.

Liability Cover

Protection if a guest or visitor is injured or suffers damage while staying at your property.

Loss of Rental Income

If the home is uninhabitable due to a covered event, we’ll cover your lost earnings.

Alternative Accommodation

For guests if their booking is disrupted due to damage.

Accidental Damage

Optional cover for breakages or mishaps during guest stays.

Unoccupancy Cover

Extended protection for times when the property is empty.

Why choose Crowthorne for Holiday Home Insurance?

  • Policies tailored for second homes, guest lets, and non-standard occupancy
  • Options for both personal use and short-term rental
  • Experienced advisors who understand unique property risks
  • UK-based support and fast quotes
  • Competitive premiums for high-value and rural properties
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In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

Step 2
Step 3

Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
Independent Insurance Broker

Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.

Testimonials

What Our Clients Say

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“Crowthorne took the hassle out of insuring our cottage. We use it ourselves and rent it out on weekends—other insurers were confused, but Crowthorne just got it. They built a policy that  worked for us, and the process was smooth from start to finish."
Client
“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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