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Holiday Home Protect

  • Insurance for holiday homes, holiday apartments and second homes

  • Building insurance: protects your holiday property, fixtures and fittings, and outbuildings

  • Contents insurance: for furnishings, personal belongings and valuables in your holiday home or holiday apartment

  • Home and property owner's liability insurance: Covers third-party claims for personal injury and property damage relating to your holiday property

Table of contents|
Product information Examples of claims Insured countries

Insurance cover for your holiday property

A holiday property is one thing above all else: a place to relax – whether it's a holiday flat on the Baltic Sea, a holiday home in Italy or a second home in France.

However, because it is often empty, rented out and you as the owner cannot be there all the time, a second home is exposed to completely different risks than 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 flats and second homes. From 1 April 2026, you will be able to take out your insurance directly online here. Until then, our Service Centre is available to answer any questions you may have:

  • by email at: holidayhome@funk-experts.de

  • by telephone Monday to Friday from 9 a.m. to 5 p.m. on the following numbers: All enquiries from the UK: 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's liability insurance. Coverage for extended natural hazards such as flooding and earthquakes is also included.

Country-specific compulsory and special cover, such as CatNat in France or compulsory earthquake insurance in Turkey, is automatically included for properties abroad.

Particularly important for owners of properties that are not used permanently and holiday accommodation:

Holiday Home Protect covers the costs of travel to the property in the event of damage, as well as replacement accommodation. It also covers loss of rent if guest bookings have to be cancelled due to damage.

Residential building insurance

coming soon

  • Property damage to the holiday home caused by fire, tap water, storm/hail

  • Co-insurance of building accessories (e.g. rubbish bins, doorbell and letterbox systems and alarm systems)

  • Co-insurance of fixtures permanently attached to the building (e.g. fitted kitchen), Reimbursement of costs incurred as a result of damage

Household contents insurance

coming soon

  • Replacement or repair of damaged or lost household contents in the holiday property (e.g. furniture, clothing, valuables)

  • Co-insurance of accidental damage and theft by tenants and guests possible

  • Compensation at replacement value

Home and property owner liability

coming soon

  • 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 holiday home insurance suitable for?

Holiday Home Protect is aimed at owners and landlords of holiday properties in the UK and abroad.

  • 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:

  • German citizens who wish to insure a second home (in Germany or abroad) or their main residence (abroad only)

Why should you insure a holiday property with Holiday Home Protect?

Classic risks such as burglary, fire, water damage and storm damage also pose a threat at holiday destinations. However, special insurance cover is necessary because you are not permanently on site or because you rent out the accommodation temporarily or permanently. Holiday Home Protect reliably covers damage caused by guests and liability claims from third parties. In an emergency, travel costs to the site of the damage are reimbursed so that you can act quickly. If the property is vacant, special regulations apply which also cover damage that has occurred unnoticed.

 

How Holiday Home Protect protects you: practical examples

Travel expenses to the location 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 costs to the property.

Damage caused by tenants and guests

 

Tenants or guests unintentionally damage furniture or kitchen equipment in your holiday property. Our additional module 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. Home and property owner's 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

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