French Holiday Home Insurance
Secure your retreat in France with a comprehensive insurance policy. We offer a simple way to compare different quotes from top insurance providers, helping you find the ideal coverage that offers the best value.
Enjoy the peace of mind that comes with knowing your property in France is protected, whether you're using it yourself or are thousands of miles away.
Securing your investment should be a straightforward process. We simplify finding the perfect insurance by consolidating quotes from reputable specialists in French holiday home coverage. Compare various policies to discover a plan that perfectly fits your unique needs, allowing you to relax and fully enjoy your time in France with complete confidence.
The policies we offer are specifically designed for owners of overseas holiday homes and include protection that a standard home insurance policy would not provide. We can also assist British expatriates living abroad with their home insurance needs.
Many insurance companies will not offer insurance for overseas holiday homes due to the additional insurance risks associated with holiday homes, for example:
- Many insurers are hesitant to cover overseas holiday homes due to the increased risks they present. For example:
- Public Liability Risks: Holiday homes can pose a higher risk for public liability claims because the owner is often not present when guests or visitors are on the property, there may be more guests than in a typical home, and features like swimming pools introduce additional hazards.
- Unoccupied Periods: holiday homes are vacant for significant periods, especially during the off-season, which increases the risk of issues such as burst pipes, theft, and malicious damage or vandalism. Additionally, if a flood or fire occurs, the damage can be much more severe as it may take longer to be discovered and dealt with.
Our specialised insurance for overseas holiday homes differs from standard insurance in several key ways, as it can also include:
- Public Liability
- Protection against legal responsibility for injury to guests or other third parties, or for damage to their property (e.g. in the event of an accident on your property for which you are legally liable).
- Employers Liability
- Covers you if you are found legally responsible for an injury to any domestic staff or contractors you employ, whether full-time, part-time, or on an unpaid basis (e.g., a cleaner working at your holiday home).
- Swimming Pool Cover
- Includes your pool under the same coverage as the main buildings insurance and offers compensation for loss of use if the pool is damaged.
- Theft
- Protection for the theft of contents, even when the property is occupied by guests.
- Loss of Rent
- Covers the loss of rental income from your holiday home due to an incident like a fire, theft, or flood.
- Alternative Accommodation Costs
- Reimbursement for the additional costs of arranging alternative accommodation following a covered incident.
- Accidental Damage Cover
- Covers accidental damage to both the buildings and contents of your holiday home, even when it is being commercially rented out.
- Legal Expenses
- Provides coverage for legal disputes.
The true value of your holiday home insurance becomes most apparent when you need to make a claim. Our service offers valuable benefits, including:
- UK based claims centres: Our claims teams are located in the UK with English-speaking staff.
- Clear Policy Wording: Policies are written in straightforward English.
- Specialist Liaison: Where necessary, our English-speaking staff will liaise with overseas loss adjusters.
- Market Specialists: You will be dealing with experts in the UK holiday home market.