High Value Home Insurance
Tysers provides High Value Home & Personal Property insurance for homes in the UK and overseas through our dedicated High Net Worth insurance team. Whether…
Whether your holiday rental is a listed building with historic features, or a modern masterpiece filled with state-of-the-art technology to keep your guests entertained, it’s important to protect the valuable assets that make your property unique with holiday let insurance.
Many standard household insurance policies have limitations and restrictive conditions making them unsuitable for short term, rental properties.
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Building insurance will provide cover for your holiday home up to the limits shown on your policy schedule. Cover is provided for any holiday home for damage or destruction caused by an insured event such as fire, flood and theft. You may have the option to extend cover to include accidental damage to buildings.
Holiday home insurance can cover the private dwelling, outbuildings and garages listed at a specified address. It will protect the structure and should include the fixtures, fittings and built in appliances attached to the holiday home.
Underground services such as sewers, pipes, cables and drains which connect to public mains can usually be covered if accidental damage is included.
If the sums insured are adequate unique property features such as swimming pools, hot tubs, tennis courts, septic tanks, solar panels and water features can be protected. It is important to notify your broker of any unique features to ensure they are appropriately protected.
Any building works undertaken should be notified to your broker in good time before any works commence so we can arrange appropriate coverage.
Wear and tear on a building will not be covered and homeowners are required to maintain their properties to a good standard.
Covers loss of income if you can’t let your home due to damage covered under your building insurance.
Cover can be provided for holiday let contents. This can include Accidental Damage to Electronic equipment such as televisions, audio equipment, gaming consoles, computers and other items. These will be covered up to the value listed on your policy schedule.
Replacement Locks should these need to be fitted in the event of theft or loss of keys.
Loss of Oil or Water.
Holiday Home removals should loss or damage occur to your contents whilst being removed.
Protects homeowners should they become legally liable to pay damages for any bodily injury and damage to property of domestic employees.
Protects homeowners should you become legally liable to pay damages for bodily injury or damage to property causes to the public.
Provides financial compensation to help holiday home owners cover the cost of legal advice and legal proceedings. Sections of cover may include action taken in relation to the sale or purchase of a property, personal injury, employment disputes.
*The terms and conditions of holiday home insurance policies vary. Limits of cover for each section of insurance will be shown in your policy schedule. The policy wording and schedule will specify the terms and conditions of the cover provided by a specific insurer, including any warranties and endorsements specific to the risk. You should read your policy wording and schedule carefully.