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Protect your second property with holiday home insurance in Bulgaria

In recent years, Bulgaria has become a popular tourist destination, and it’s easy to see why. Beautiful beaches, ancient churches, and imposing mountain ranges make this a desirable destination for many.

If you’re looking to own a holiday home in Bulgaria or already do, you may want to consider how you can safeguard your property. Here at Intasure we can help you find suitable cover.

What is Bulgarian holiday home insurance?

Bulgarian holiday home insurance provides cover for second homes across Bulgaria. When a holiday home isn’t nearby, it’s crucial that you consider an insurance policy that steps in when the worst happens. Our holiday home insurance in Bulgaria can help safeguard your property in the event of loss or damage.

Our team can help to create you a bespoke policy tailored to your property’s needs. Intasure’s holiday home insurance offers financial support against a range of risks.

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Based on 148 reviews

What does Bulgaria holiday home insurance cover?

Those with a home insurance policy will already be familiar with our basic cover. Buildings and contents protection can both be included with our Bulgaria holiday home insurance. It helps to protect your property from damage and your home’s contents from theft, loss, or damage.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Buildings and contents cover

Our buildings and contents cover extends to outbuildings and swimming pools, common in many warmer parts of Bulgaria.

The cover offers protection against:

  • Damage to buildings or contents

    due to natural disasters, such as flooding and fires

  • Escape of water or oil

    from household appliances, such as washing machines and dishwashers

  • Theft

    of household contents

  • Accidental damage

    to household goods, carpets, and sanitary fixtures

  • Loss or damage

    caused by electrical power surges

Public liability cover

Public liability cover can protect you against the financial risks of letting your holiday home to paying guests. In such scenarios, this cover offers protection in cases such as a guest suffering bodily injury whilst staying in your property, or if damage is caused to a third party property.

We offer £5 million cover as standard for insured public liability claims.

Emergency travel costs cover

Minor problems can quickly snowball into serious issues when you’re away from your property. That could be a leaking pipe leading to water damage, or storm damage rendering your home uninhabitable. If a disaster arises, our emergency travel insurance can help to reimburse you for any travel costs when you need to get to your holiday home in a hurry.

Loss of rent cover

If you have a confirmed rental booking that can’t go ahead due to house damage, loss of rent cover can help to cover the lost income.

Alternative accommodation cover

Damage to your property may mean it’s no longer inhabitable. Alternative accommodation cover can cover hotel fees if you need to relocate while repairs are undertaken.

Unoccupancy cover

Unoccupancy cover can help to relieve worries about your property when you’re out of the country. Subject to policy terms and conditions, we can cover your property year-round if you visit weekly, monthly, or just for a couple of weeks a year. For example, small issue like a leaky tap when you’re not there turning into escape of water can still be covered even when you’re not staying at the property.

What property types can Intasure cover?

Whether you choose a chalet in the ski resort of Borovets or a city apartment in Sofia, our policy can provide cover for these property types.

Here is a list of properties that we typically arrange cover for:

  • Flats and apartments
  • Lodges & chalets in ski resorts
  • Houses and villas in beach resorts

Why choose Intasure?

We have years of experience with insuring properties in Bulgaria. We’re UK-based, so you’ll have access to our English-speaking team when discussing your policy.

Here are the key benefits when choosing Intasure:

  • Customers can tailor insurance to their needs with optional covers

  • Up to £1 million buildings cover and £5 million public liability cover

  • Cover for short and long-term lets

  • Cover whether the property is occupied or not, for up to 60 days

  • Emergency travel costs for insured claims

  • Loss of rent cover following an insured claim

  • Alternative accommodation costs for insured claims

Policy documents

View and download policy documentation

Need some help?

Call us on 0345 111 0680

Monday – Friday 9am – 6pm

Monday – Friday 9am – 5pm

Get a quote

Bulgarian holiday home insurance FAQ

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.

How much does overseas property insurance in Bulgaria cost?

Insurance policy premiums vary depending on several factors specific to your property, including:

  • Your property’s location– for example, areas in close proximity to rivers, seas or other bodies of water, could result in higher premiums
  • The size of your property– larger properties tend to attract higher premiums
  • The contents within your property– storing high-value contents in your property can result in greater insurance costs

Making a claim is straightforward. Simply call us on 0345 111 0672, and our dedicated team will be more than happy to help you.

While this is not a legal requirement in Bulgaria, you may want to consider additional protection. Liability insurance ensures you’re not left out of pocket if compensation claims arise, or if guests damage your holiday home.

There’s no legal requirement to have both forms of insurance when insuring your holiday home in Bulgaria.

At Intasure, our holiday home insurance policy packages these common forms of cover together. This allows us to provide a range of covers in one policy to our customers.

Our mission as second home insurance specialists

We comprise of an in-house team of sales, renewals, customer service, claims, and underwriting specialists. Our aim is to help you find property insurance that suits your needs.

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*correct as at June 2024

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