Insuring a holiday home

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Insurance assessment

If you have a recreational home, it is wise to insure it properly against damage. You can insure your holiday home online with us. With property insurance your recreational home is insured against damage, such as fire or storm. If you want to finance the holiday home with a mortgage, in most cases it is even mandatory to insure your holiday home. Do you not only use the holiday home yourself, but also rent it out? You can co-insure that too.

Why insure a holiday home?

For most people, a holiday home is literally a second home. A place to retreat to and enjoy a different environment. A recreational house is therefore a beautiful and valuable asset. Imagine that your holiday home burns down. Not only will you lose a valuable asset, you will also be confronted with high financial costs. Think of the clean-up of the remains of the house, the rebuilding and the replacement of all the equipment. These costs can quickly run into the (tens of) thousands of euros. By insuring your holiday home properly, you ensure that you do not suddenly have to deal with a large amount of damage when your home becomes damaged.

Which cover suits you?

Fire

Lightning strike

Inbraaj

Theft

Storm damage

i From wind force 7

Glass coverage

Liability

Contents

Rental

Addition/annexation

Basic Insurance

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All-Risk

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Which cover suits you?

Basic Insurance

Fire
Lightning strike
Inbraaj
Theft
Storm damage
i From wind force 7
Glass coverage
Liability
Contents
Rental
Addition/annexation

Calculate Premium More information

All-Risk

Fire
Lightning strike
Inbraaj
Theft
Storm damage
i From wind force 7
Glass coverage
Liability
Contents
Rental
Addition/annexation

Calculate Premium More information

Recreational home insurance at Eerdmans

Alpina brings its recreational home insurance policies to Eerdmans, also part of the Alpina group. Eerdmans has been the specialist in boat insurance and insurance for recreational homes for more than 50 years.

Do you want to insure your holiday home for business or private use?

When you take out the insurance, you indicate what kind of home it is. For example, you can choose between a recreational home, mobile home or chalet. Usually you can just take out a private home insurance, but in some cases you need a business home insurance. For example, if your holiday home is purchased within a private limited company, or if you rent out your holiday home for more than 300 days a year. This number of days can differ per insurer. In most cases you can insure your recreational house privately, even when you rent out your house (occasionally). Always check the policy conditions of the insurer.

What does it cost to insure a recreational house?

The cost of insuring a recreational home depends on several factors:

the type of dwelling
the construction of your house (the roof and the walls)
the reinstatement value
The selected coverage
the own risk
place of residence/region of residence

A recreational house is of course different from a normal residential house. In most cases you do not live there permanently and some people rent out part of the house. A recreational house is more often unoccupied and there is usually less supervision because a recreational house is not located in a residential area. For the insurer, the risk is therefore slightly higher than for a residential home. That is why not all insurers accept recreational houses. Nevertheless, there are enough insurers that allow you to insure a recreational house. They often impose a number of conditions on the insurance, which you can find in the policy conditions.

What is insured with the holiday home insurance?

With the standard coverage of a building insurance your recreation 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.

With building insurance, the amount of insurance depends on the type of dwelling. You can find this on your policy sheet. The insurer usually compensates the damage up to a maximum amount that is stated on your policy schedule. Even if the amount on your policy sheet is lower than the value of your holiday home.

Frequently asked questions about insuring a holiday home

Which holiday homes can I insure?

A recreational home consists at least of a living room, bedroom(s), kitchen, bathroom and a garden or terrace. With a building insurance you can insure your recreational house, chalet or mobile home.

What does the premium for holiday home insurance depend on?

The premium for recreational home insurance depends on the following factors:

the type of dwelling
the construction of your house (the roof and the walls)
the reinstatement value
The selected coverage
the own risk
place of residence/region of residence

Can I insure my holiday home even when I rent it out?

Yes, you can insure your holiday home even if you let it out. However, the number of days per year that you let 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, letting 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.

What is the best insurance for my holiday home?

Are you wondering what the best insurance is for your recreational home? This depends on the type of home you have and the coverage you want to take out. By comparing insurances you can easily find the best insurance for your recreational house.

Cheap holiday home insurance

You probably prefer not to spend too much money on insuring your recreational house, since it is (in most cases) a second home. After all, you have already insured your home. That is why many people are looking for cheap home insurance. What is the cheapest insurance for your holiday home depends on the coverage you choose. The basic coverage is of course the cheapest. It only does not cover damage caused by sudden unforeseen events. Would you rather be fully insured? Then you should go for the all-risk insurance. This costs a little more per month, but has the most extensive coverage.

Insuring a holiday home: compare first!

The first step in taking out recreational home insurance is to compare. By comparing you can find the best holiday home insurance for the lowest price. With our comparison tool comparing is very easy. First you fill in some personal details and information about your home. In this step you can also indicate what kind of home it is, in this case a holiday home. Then you can choose the desired coverage. Next, you will get a handy overview of all insurances that meet your requirements. You will not only get an overview of all premiums, but also of the corresponding policy conditions. Take a good look at the policy conditions, because they can sometimes differ greatly from one insurer to another.

Take out home insurance for your holiday home

Home insurance is for your home and all its immovable property, such as the built-in kitchen. But if a fire breaks out in your holiday home, it can also damage your possessions. To insure both the building and the contents you can also take out a home insurance. Home insurance consists of home insurance and building insurance. You can also extend the home insurance with liability insurance, legal expenses insurance and continuous travel insurance. When you take out these insurances together, we call this a home insurance package. This means that you do not have to take out all the insurance separately. With a home insurance you know for sure that your holiday home is fully insured.