A holiday home is usually left unattended for an extended period so it is worth insuring your property from any eventualities – especially when you are not around.
The holiday home insurance plan protects both the property (building) and its contents, such as furniture and electronic equipment. However, you may also choose to insure either Buildings or Contents under your policy. Details of what is covered can be found in the Summary of Cover.
Below is a summary of the cover included under our Holiday Home Insurance Policy.
Cover may be purchased for Buildings, Contents or both.
Buildings and Contents Sections: | Buildings | Contents |
Fire and smoke | YES | YES |
Explosion | YES | YES |
Lightning and thunderbolt | YES | YES |
Earthquake | YES | YES |
Riots, strikes and labour disturbances | YES | YES |
Aircraft and other aerial devices, or anything dropped from them | YES | YES |
Storm or flood, including overflow from the sea | YES | YES |
Theft or attempted theft | YES | YES |
Escape of water from any fixed domestic water, drainage or heating installation including washing machines or dishwashers | YES | YES |
Impact by any vehicle or animal | YES | YES |
| Breakage or collapse of television or radio aerials, satellite dishes or masts | YES | YES |
| Malicious acts or vandalism | YES | YES |
| Falling trees, lamp posts, electricity, flag or telephone poles | YES | YES |
Additional Cover included under the Buildings and/or Contents Sections: | Buildings | Contents |
Architects and Surveyor's fees, debris removal and additional costs of reinstatements as required by local authorities | YES | - |
| Site Clearance and buildings fee | YES | - |
Breakage of fixed glass, sanitary fittings, ceramic hobs in fixed appliances | YES | - |
Rent and alternative accommodation | YES | YES |
Selling your Home | YES | - |
Accidental Damage to Computer Equipment and Home Electronics | - | YES |
Freezer Contents | - | YES |
Loss of Metered Water | - | YES |
Loss of Keys | - | YES |
Garden Furniture | - | YES |
Breakdown of Air-conditioning Equipment | - | YES |
Trace and Access Costs | YES | - |
Contents Temporarily Removed From Home | - | YES |
| Fatal Injury Cover | - | YES |
Liability to Domestic Employee | - | YES |
Property Owners Liability (included automatically with the Buildings cover) | YES | - |
| Personal Liability (included automatically with the Contents cover) | - | YES |
Tenants Liability (included automatically with the Contents cover) | - | YES |
Discounts
You may benefit from discounts if you insure your home with Citadel. These special rates apply if you fulfil one or more of the following criteria:
- are over 55 years of age;
- have a solar water heater or a PV system installed at the property to be insured;
- have an alarm system installed at the property to be insured.
Helpdesk 80072322
Downloads:
EXPLORE OUR FULL RANGE
Your Home
Home insurance plan protecting both buildings and contents
Home4Loan
Low cost buildings cover designed for the purpose of home loans
Eco Home
Special discounts for homes with a solar water heater or PV installed
Holiday Home
Insurance cover for your holiday home
PV Panels
Cover for photovoltaic Panels
Condominium
Cover for the common parts of a block apartments or residences
