Holiday Home Protect
Insurance for holiday homes, holiday apartments and second homes
Building insurance: Protects your building, fixtures and fittings as well as outbuildings
Contents insurance: Covers furnishings, personal belongings and valuables in your holiday home or holiday apartment
Home and property owner liability insurance: Covers third-party claims for personal injury and property damage relating to your property
Insurance cover for your holiday property: Funk EXPERTS Holiday Home Protect
A holiday home is, above all: a place to relax – whether it's a holiday flat on the Baltic coast, a house in Italy or a second home in France.
However, as it is often empty orrented out, and as you, the owner cannot always be there, a second home is exposed to different risks to your main residence, which is occupied all the time.
This makes it all the more important to have insurance cover that takes precisely this special use into account and protects your holiday home from unexpected damage and its financial consequences.
Holiday Home Protect is the new holiday home insurance from Funk EXPERTS for holiday homes, holiday apartments and second homes. Shortly, you will be able to purchase your insurance directly online. Until then, our Service Centre is available to answer any questions you may have. You can contact us:
by email at: holidayhome@funk-experts.de
by phone from Monday to Friday from 9am–5pm. on the following numbers: All enquiries from Germany: 0800 99 552 442 4 (free of charge); for calls from abroad: +49 40 35 914 422 00
What does our holiday home insurance offer?
Holiday Home Protect combines building and contents insurance, which can be supplemented with home and property owner liability insurance. Coverage for extended natural hazards, such as flooding and earthquakes, is also included.
Country-specific compulsory and special cover is also included, such as CatNat in France or compulsory earthquake insurance in Turkey.
Particularly important for owners of properties that are not used permanently:
Holiday Home Protect covers travel costs to the property in the event of damage, as well as the cost of alternative accommodation. Loss of rent is also compensated if guest bookings have to be cancelled due to damage.
Building insurance
Damage to the holiday home caused by fire, tap water orstorm/hail
Insurance of building accessories (e.g. garbage boxes, doorbells and mailboxes and alarm systems)
Insurance of fixtures permanently attached to the building (e.g. fitted kitchens)
Reimbursement of costs incurred as a result of a claim.
Household contents insurance
Replacement or repair of damaged or lost household contents in the holiday property (e.g. furniture, clothing, valuables)
Insurance of accidental damage and theft by tenants and guests possible
Compensation at replacement value
Home and property owner liability
Protection against third-party claims if persons are injured on your holiday property or by the building (e.g. guests, neighbours or passers-by)
Coverage of €5 million for personal injury, property damage and financial loss
Defence against unjustified claims
Who is this holiday home insurance suitable for?
Holiday Home Protect is aimed at owners and landlords of holiday properties in in numerous European countries
Owners of holiday homes or apartments for their own use
Landlords who offer their property seasonally or year-round via platforms or their own channels
Commercial landlords of holiday complexes
Holiday Home Protect is also suitable for:
European citizens who wish to insure a second or main home abroad
Why should you insure a holiday property with Holiday Home Protect?
Classic risks such as burglary, fire, water damage and storm damage can also occur at holiday destinations. However, special insurance cover is necessary because you are not permanently on site or because you rent out the property temporarily or permanently. Holiday Home Protect provides reliably cover for damage caused by guests, as well as third-party liability claims. In an emergency, travel expenses to the site of the damage will be reimbursed, enabeling you to act quickly.
How Holiday Home Protect protects you:
Travel expenses to the site of the damage
Tap water leaks unnoticed over a long period of time. You have to travel there at short notice to assess the situation on site and coordinate the repairs. Holiday home insurance covers the necessary travel expenses to the property.
Damage caused by tenants and guests
Tenants or guests unintentionally damage furniture or kitchen equipment in your holiday home. Our additional protection covers the costs of repair or replacement.
Loss of rent
After fire damage, your holiday home is temporarily uninhabitable. Booked stays have to be cancelled, and you lose income. Holiday Home Protect reimburses you for the costs of the temporary loss of rent.
Liability claims
A guest slips on the icy path to the holiday accommodation and claims damages. We will cover the costs. Home and property owner liability insurance protects your assets.
What are the most common types of damage to holiday properties?
What can happen to your holiday flat or holiday home? These practical examples show typical types of damage.
Examples of claims
Overview of insured countries
Egypt, Belgium, Bulgaria, Denmark, Germany, Finland, France, Greece, Ireland, Italy, Cape Verde, Croatia, Luxembourg, Malta, Netherlands, Norway, Austria, Poland, Portugal, Sweden, Slovenia, Spain, Czech Republic, Turkey, Hungary, Cyprus
