Insure holiday home
As the proud owner of a vacation home, you naturally want it to be properly insured. A vacation home is often unoccupied for long periods of time, because it is only used for short periods or during a certain season. Therefore, it is wise to insure a vacation home properly against, for example, burglary, theft and extreme weather conditions. Do you have a vacation home abroad? Then insurance works a little differently. At Alpina.nl we can help you insure your vacation home!
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Which cover suits you?
Why insure a holiday home?
For many people, a holiday home is a second home. A place to get away from it all and enjoy a different environment. A precious possession that holds many wonderful memories. A holiday home is therefore just as important to insure as a house. Suppose your holiday home is seriously damaged by a storm. Not only will you lose a valuable asset, you will also be confronted with high financial costs. Think of the cleanup of the remains of the house, the rebuilding and the replacement of all the belongings. These costs can quickly run into the (tens of) thousands of euros.
What do I need to consider when insuring a holiday home?
Please note that the insurer will impose a number of conditions on the insurance of a holiday home. These are, for example, conditions concerning rental and occupation of the home. For example, during periods of long-term vacancy, limited cover often applies. This means that you are not insured in case of burglary or damage, for example, during this period. Always check this carefully in the insurer's conditions.
Different conditions also apply to renting out a holiday home. Among other things, the number of days per year that you rent out the house is important. Most insurers allow you to rent out your holiday home for a maximum of 6 months a year. This may differ per insurer, so always check the policy conditions. With some insurers, renting out your holiday home is part of the basic coverage and with others you can take out a separate coverage. If you rent out your holiday home for more than 300 days per year, you should take out business property insurance.
How do I insure a holiday home?
You can insure a vacation home with buildings insurance. This covers all real estate, such as a built-in kitchen or bathroom. But if a fire breaks out in your vacation home, your household contents may also be damaged. For this you need a separate contents insurance. We call this combination of insurances a home insurance. You can also extend the home insurance with liability insurance, legal assistance insurance and comprehensive travel insurance. When you take out these insurances together we call this a home insurance package. So you do not have to take out all insurances separately. With a home insurance, you can be sure that your vacation home is fully insured.
A holiday home is of course a different type of home than a normal house. Often, the owner of the holiday home does not live there permanently. In some cases, the house is largely rented out and thus different people live in it throughout the year. A holiday home is vacant more often than a normal house and is often not located in a residential area, which means there is less supervision. All these factors together make insuring a holiday home a bigger risk for an insurer than insuring a house. That is why you cannot insure your holiday home with every insurer. Fortunately, there are still plenty of insurers with whom you can insure your holiday home.
What is covered on a vacation home insurance policy?
What is covered with a building insurance for your holiday home depends on the coverage you choose. With the standard coverage of a building insurance your holiday home is insured against fire, burglary, vandalism and damage caused by weather conditions, such as storm, hail and lightning. If you choose for an all-risk coverage you are also insured for sudden, unforeseen events. This includes for example damage to your holiday home caused by falling, bumping or colliding.
What does it cost to insure a holiday home?
The cost of insuring a holiday home depends on a number of factors:
- The type of holiday home
- The construction type of the dwelling
- The reinstatement value
- The desired coverage
- The own risk
- The residence/region
How can I insure a holiday home abroad?
Insuring a holiday home abroad is somewhat more difficult than when the home is in the Netherlands. Only a few insurers can insure a holiday home abroad. Many insurers limit themselves to the Netherlands, Belgium and Germany. If you have a holiday home in another country, you can only approach a limited number of insurers. These are usually insurers who specialise in insuring holiday homes. Sometimes you can take out a policy with an insurer in the country in question.
Directly insure your vacation home through Alpina!
Through Alpina, you can purchase home insurance for your vacation home. You first fill in some personal data and details about your property, in our online comparison tool. In this step you can also indicate what kind of property it is, in this case a vacation home/recreational home. After this you can choose the desired coverage. Then you will get an overview of all insurers who offer insurance suitable for your vacation home. You will not only get an overview of all premiums, but also of the corresponding policy conditions. Take a good look at these as well, as they can sometimes differ greatly from one insurer to another.
Do you have any questions about insuring your holiday home? Then please do not hesitate to contact us! We are available Monday to Friday from 08.00 to 18.00 on 088 - 688 3700. You can also send us a message via chat, WhatsApp or Messenger. In that case we will answer your question as soon as possible during office hours.
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