Although the standard rules for insuring a property may apply just as much to your holiday property as to your main home, you may also find that taking out a holiday property insurance policy may be slightly different. You may insure against certain things happening and, if they do happen, then you may make a claim as usual. But, the insurance you need for a holiday property may take a little more thought so that you get the right mix of features, benefits and cover for your needs.

Insuring your main home may simply be a question of putting in place buildings and contents cover. The same cover benefits may, of course, still be important to you with your holiday property but you may find that you are given cover restrictions in some cases that may need to be dealt with and that you will need additional cover into the bargain.

The easiest way to work out how to get the best holiday property insurance cover is to think about how your holiday home will be used, by whom and for how long during the year. So, for example, if you plan on keeping your holiday home for your own use then your needs from a policy may be very different than if you plan to rent it out to provide an income when you aren’t using it.

If, for example, you will simply use the property yourself and you don’t plan on renting it out then your insurance cover may not need to cover that option. But, many policies will specify that you must take specific measures if your property will be empty for periods of time. So, for example, some policies may state that you have to drain heating systems and turn off water supplies to get protection when the property isn’t occupied.

If, however, you do plan on renting out your home then your holiday property insurance policy will need to take this into consideration. You may, for example, want to look at public liability cover to protect you and your tenants. If you employ any staff to help you look after your holiday property then the law states that typically you must make sure to have employers’ liability insurance as well. And, you may well want to make sure that your general contents cover includes accidental damage in case one of your tenants does happen to damage your fixtures or fittings.

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