Insuring Your Second Home Abroad
A second home abroad reflects a modern, mobile lifestyle, as many people now divide their lives between different places. Whether your company operates in France while your family remains in Germany, or you live and work in Barcelona as a freelancer – your second home is more than just a holiday property. It is an integral part of your everyday life, well equipped and used on a regular basis. This clearly distinguishes it from a traditional holiday home.
Holiday Home Protect provides security for your secondary residence. Our insurance product, designed specifically for second homes in Germany and abroad, combines comprehensive protection for the property and its contents with a focus on international lifestyles. If you rent a second home abroad, you can also take out Holiday Home Protect solely to insure your household contents.
Second Home Abroad
Special need for protection due to temporary use
Like the main residence, the second home is closely connected to the residents’ everyday lives, for example due to its proximity to the workplace. This sets it apart from a holiday home, which is used primarily for recreation and leisure. All three types of property are exposed to risks such as fire, burglary or escape of water from supply pipes, which can be covered by insurance. Damage occurring at the main residence can be detected more quickly due to its permanent occupation than in the case of a second home or a holiday property. Not all insurance solutions adequately take into account temporary vacancy or irregular use of the property.
Holiday Home Protect offers comprehensive insurance cover for all types of use. We insure your second home in Germany and abroad against all relevant risks.
Please note:
Please note that this insurance is not available for main residences in Germany.
Please, get in touch with us here if you would like to insure a main residence in Germany.
Holiday Home Protect takes into account the specific requirements involved in insuring property abroad:
Protection abroad: Insurance cover for houses and flats in many European countries, taking into account country-specific requirements.
Risk-appropriate product design: Consideration of regional risks, such as earthquakes in Southern Europe.
Flexible use: Insurance cover remains in place even if your second home is partly unoccupied or used irregularly.