Specialist household insurance is most likely to be needed by:

Specialist household insurance is most likely needed by the owner of a holiday home because this type of property often presents unique risks and requirements that differ from standard residential properties. Holiday homes may be unoccupied for significant periods, which can lead to increased risks such as theft, vandalism, or damage due to lack of maintenance. They may also cater to short-term rentals or need coverage for specific contents that differ from primary residences. These factors necessitate insurance policies that are tailored to address specific concerns related to holiday homes, such as liability coverage and protection against the risks associated with transient occupancy.

The other options, while they may require some form of insurance, generally do not face the same level of specialization. First-time buyers, for example, typically seek standard home insurance as they transition into homeownership. A tenant responsible for both buildings and contents insurance normally involves standard coverage unless they are in a unique rental situation, and an owner-occupier with several family members in the property would also usually rely on standard home insurance to cover their primary residence. Hence, the unique nature of insuring a holiday home makes it most aligned with the need for specialist household insurance.