Our core areas of beach hut insurance cover include:

• Beach hut buildings cover, based on your hut’s rebuilding cost
• Beach hut contents cover. This comes as standard for up to 20% of your beach hut’s building sum insured
• Accidental damage to buildings and contents. We will also cover you for vandalism and malicious damage
• Cover for replacement locks
• Cover for storm damage, and for inundation by the sea
• Up to £5 million liability to others (if you rent out your beach hut, for example, we can cover you for any personal injuries people experience while using your hut)
• If you rent out your beach hut, we can also cover you for loss of rent up to 20% of the building sum insured

There is no excess to pay on any claims, and we do not specify any security requirements for your beach hut. We can even cover your travel expenses following an emergency situation.

Unfortunately our beach hut insurance will not cover:

• Buildings sum insured, exceeding £40,000 or £50,000 for chalets
• Beach huts used for commercial purposes other than holiday lets
• We cannot cover any beach huts made from non-standard materials. Standard materials include brick, metal, concrete, timber and fibreglass

We are proud to work alongside some fantastic beach hut associations and enjoy attending AGM meetings where possible, meeting members and discussing their insurance needs.