key features

Although your Beach Hut may only be used by you during the warmer weather, the risk of loss or damage is a year round problem, which is why we understand the importance of providing a policy offering cover for your hut all year long.

Please see below for the key features of our beach hut insurance:

  • Highly competitive premiums
  • No excess for any claim regardless of the cause of the loss or damage
  • Public Liability cover included up to a maximum of £5 million
  • Accidental damage cover included automatically for buildings insurance
  • Contents cover is available and includes watercraft and accessories, up to 25% of the contents sum insured
  • Cover for loss of rent and license fee, up to 20% of the building sum insured if the hut is made unusable following a valid claim
  • All types of hut considered

more details

Beach Hut insurance is still a niche product offered by relatively few providers. We know how important it is to offer a product suitable for your needs at extremely competitive premiums. Our designated Beach Hut policy uses flexible underwriting, which means that if your hut is placed somewhere other than the sea front, or is of a slightly different construction, we are confident that we can still help.

Join our ever-growing client list and contact us for a quote today. You will need to provide the replacement cost for your Beach Hut, along with the replacement value of any contents which you would like to insure. We'll also need some information about the hut location and details of any previous losses or claims you have suffered. Simply complete our request a quote form below and we will email or call you back with a quote.

Please take a look at our cover summary document and our Insurance Product Information Document.

request a quote

If you are interested and would like us to provide you with a no obligation quote then please enter your details and information about your beach hut in the form below:


full name & title:




hut address line 1:


hut address line 2:

hut town:


hut county:


hut postcode:


date of birth:


date cover required:


approx. year hut built:


buildings sum insured:


This is for the rebuilding costs of your hut and should include fixtures and fittings, professional fees, demolition and site clearance.

contents sum insured:


The following contents limits apply as a percentage of the contents sum insured: clothing 50%, any single article 25%, and watercraft and their accessories 25%.


Is the beach hut constructed of wood? *

  Yes No

Has the beach hut ever flooded? *

  Yes No

Is the beach hut in a good state of repair and will be maintained as such? *

  Yes No

Have you or any person residing with you ever been convicted of any criminal offence (other than motoring convictions) or have any prosecutions pending? *

  Yes No

Have you or any person residing with you ever had insurance declined, special terms imposed or renewal refused by any insurer? *

  Yes No

Have you or any person residing with you sustained any loss or damage to contents or buildings in respect of any property whether insured or not within the last 5 years? *

  Yes No


If you have answered any question by selecting an option in red, then please provide full details:

Your details will only be used by us to return your enquiry. They will never be passed on to a third party.


PO Box 29


GL52 8GW


Send an email to

or call us on 0800 7837187 or 01242 678678 for a quote


Insure Homes Limited is an appointed representative of Advent Insurance Services Ltd, which is authorised and regulated by the Financial Conduct Authority.

Insure Homes Limited Company number 3644291 registered in England at 1st Floor, Business House, 23 Church Rd, Bishops Cleeve, Cheltenham GL52 8LR.