For many people, owning a second home in Italy could be a romantic dream come true. To keep the dream sweet, however, you are also likely to take the precaution of arranging Italian holiday property insurance.

The heart of the matter

At the heart of your Italian dream, of course, is likely to be the property itself. A romantic property, however, could prove especially costly to repair – not to mention completely rebuild – if it falls victim to a catastrophe such as fire, flooding, or earthquake. Perhaps the most critical element of your second home insurance, therefore, is the buildings insurance.

Lovingly furnished …

The contents of you holiday home are likely to echo your love affair with the property and also represent a significant investment. The risk of theft, loss or damage could be enough to undo your cherished dreams whilst adequate contents insurance, therefore, could help to protect them.

… and cared for

It could be that you employ one or more people to help take care of your dream home. Even where there is no legal obligation for you to hold employer’s liability insurance with respect to such employs, there remains a risk that they might suffer personal injury or have their property damaged whilst working for you. In the event of their successfully claiming your liability for such events, you might wish to ensure that your Italian holiday property insurance includes adequate provision for employer’s liability.

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