All-risk insurance for vacation properties

A vacation home is a labor of love and the basis for rental success. To protect your property against damage in the long term, keyone recommends Hiscox vacation home insurance.

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FLEXIBLE COVERAGE COMPONENTS

360 DEGREE HOLIDAY HOME INSURANCE

Schutz gegen Beschädigung, Zerstörung und Abhandenkommen durch Ursachen aller Art – für Ferienwohnungen und Ferienhäuser in touristischer Vermietung.

Household goods and art

Damage caused by risks such as fire and vandalism is covered at replacement value. Coverage for incidental costs amounting to 25% of the sum insured for disposal and restoration.

Building and Pool

For buildings against risks such as fire, vandalism, and accidental damage. In the event of total loss: replacement value covered. Coverage for additional costs and ancillary construction costs up to 25% of the sum insured.

Liability

Insurance coverage for personal injury, property damage, or financial loss arising from the rental, for which third parties are entitled to compensation.

Did you know?

With over 100,000 cases of water damage costing €2,000 each occurring in Austria every year, tailor-made insurance cover is essential. Let us make sure that you are protected from more than just wind and weather!

Flexibility & excellent terms

Modular coverage

In addition to home contents insurance, which is a must for tourist rentals, coverage for buildings, pools, and liability insurance can also be selected. The insurance premium can be increased individually.

Insurance Premium

This is based on the living space, other coverage components, and the deductible amount you choose. The minimum premium is €250 net. The premium is calculated after the offer is made and amounts to 5.5 per mille of the sum insured.

Insurance policy & payment

Let our insurance broker Steinmayr & Co. advise you and prepare a customized quote. The insurance can be taken out on any day, with coverage beginning the following day. The annual premium can be paid by payment slip or SEPA direct debit.

Info Documents

Everything at a glance

Here you will find all relevant documents and information about Hiscox vacation home insurance.

To the documents

keyone homes

The service for touristic rentals

keyone is not only your ideal partner for optimal protection of your vacation property, but also offers expertise in the professional rental and marketing of vacation accommodations. Hiscox vacation home insurance is not part of our rental service and can be added as an additional service through our insurance broker Steinmayr.

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Simple damage reporting

Report damage to Hiscox easily and conveniently using the pay-and-claim procedure by phone, email, or customer portal. Arrange for repairs, pay the repairer, and send the invoice to Hiscox. If the coverage assessment is positive, the compensation amount will be paid into your bank account.

FAQ

1Can I insure multiple properties?

Yes, a single policy can cover up to three risk locations.

2How is the sum insured calculated?

Standard: EUR 650 per square meter of usable space. The sum can be increased on an individual basis (e.g., for high-quality furnishings).

3How is the premium calculated?

5.5‰ of the sum insured + tax, minimum EUR 250 net/year. Annual payment in advance (payment slip or SEPA).

4What are the deductibles?

EUR 250 (standard), EUR 500 (–10% premium) or EUR 1,000 (–15% premium).

5What happens if the location criteria for flood risk are not met?

If not, high water and flooding are excluded from insurance coverage.

6What do I need to do in the event of damage?

Report damage immediately and provide all relevant documentation (photos/receipts). In the event of burglary/vandalism: contact the police immediately.

7What is typically excluded?

Exclusions apply in accordance with the insurance terms and conditions (e.g., certain types of loss or uninsured circumstances). Details: IPID/terms and conditions in the download area.

8Who is eligible for this insurance?

The insurance can only be taken out by customers with their primary residence, or by legal entities with their registered office, in the following countries*:
-Germany
-Austria
-Switzerland
-Belgium
-Netherlands
-Italy
* The decisive factor is the actual place of residence or registered office of the owner of the residential unit — NOT the risk location or the location of the property.

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