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Leisure Lodge Cover Limits

Buildings

Buildings
Leisure Home (Lodge)
CladdingTimber or Canexel
UseSecond Home/Holiday Home/Holiday Let
Max Sums Insured£500,000
Claims SettlementNew for Old
Decking, Balustrades & Hot Tubs✔
Alternative Accommodation / Loss of Rent✔
Let PropertyOptional
Falling Trees✔
Trace & Access£5,000 for one event, £25,000 for any single period of insurance
A/D to underground pipes & cables✔
Emergency Services£10,000
Property Owners Liability£5 Million
Clearance & Re-siting✔
Malicious Damage & Vandalism✔
Tv Aerials & Satellite Dishes✔
Fire Brigade Costs£750
Loss or Theft of Keys£1,000
Metered Water£1,000
Fire, Smoke, Explosion, Lightning or Earthquake.✔
Escape of Water ✔
Storm✔
Flood (postcode dependent)✔
Subsidence✔
Theft or Attempted Theft✔

Buildings Optional Cover (if selected):

FEATURE
LIMIT
Accidental Damage by Tenants✔
Malicious Damage by Tenants£5,000
Excess Amounts
Claim Type
Leisure Lodge
Subsidence, Heave & Landslip£1,000
Escape of Water (Homes up to 25 years of age)£250
Escape of Water (Homes aged 26 & over years of age)£500
All Other claims£100
Standard Excess £100*
Voluntary Excess Amounts Available (In addition to Standard Excess)
£50£150£400

*Standard excess – Other excess amounts may be applicable due to age of home/specific endorsements

Contact Us

My Holiday Home Insurance
Assist Insurance Services Ltd
Royal House,
Queenswood,
Newport Pagnell Road West,
Northampton NN4 7JJ

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01604 946 787

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01604 946 682

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0344 856 2187

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© Copyright 2025 - My Holiday Home Insurance - Privacy Policy | Sitemap
My Holiday Home Insurance is a trading style of Assist Insurance Services Ltd, Royal House, Queenswood, Newport Pagnell Road West, Northampton NN4 7JJ.
Assist Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution activities and as a credit broker. We do not charge any up-front fees for arranging credit. We do not charge any fees to customers in relation to Credit Broking activities. We are members of the Financial Ombudsman Service. If you cannot settle a complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service for an independent assessment. The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Website: www.financial-ombudsman.org.uk
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Buildings Sum Insured (Rebuild Costs)

Please enter the rebuild cost of your property. This must include the cost of debris removal, architects, surveyors, consultants, legal fees, taxation and the additional cost of complying with any government or local authority requirements. (The is not the figure that is provided by some insurers which is £500,000 or £1million, these are blanket sums insureds and is the maximum level that insurer will pay in the event of a total loss, and it also is not the market value of your property).

ABI rebuilding cost calculator

If your UK holiday home is of standard construction the Association of British Insurers (ABI) offers a free (registration required) rebuild cost calculator to assist you assess the rebuilding cost of your property. To use the calculator and obtain an approximate rebuild cost, you’ll need to measure the external floor area of both downstairs and upstairs of your property.

Click here to go to the ABI rebuilding Cost Calculator https://abi.bcis.co.uk/

IMPORTANT INFORMATION: Please be advised that the ABI rebuilding Cost Calculator will only provide an indicative figure for rebuild costs as there are a number of restrictions to the calculator such as, properties with unusual features, thatched buildings, listed buildings or houses made of non-standard materials. Declaring the correct sums to insure your property for, will remain the responsibility of the policyholder at all times.

Contents Sum Insured

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