If you have a holiday home in France and need insurance for it even if you speak fluent French, you may be better looking for cheap French holiday home insurance online from the UK. If you buy insurance abroad, there is always the possibility of misinterpreting the insurance policy and taking cover that is not the most suitable type for you, and which does not provide for your needs.

The two types of home insurance
Buildings insurance is generally required when taking out a mortgage for the property while contents insurance is a matter of personal choice. If you want total peace of mind and want contents cover too then you may be able to get a policy that combines the two and this may work out cheaper than taking separate polices with different providers.

Contents insurance typically protects any items in your home that are movable. These typically include your personal belongings, furniture and any household goods.
If any of these were to become damaged, stolen or destroyed due to one of the events covered in the policy it typically pays so much towards replacing them. Of course you are expected to pay a certain amount of excess towards the policy which is the amount that you pay if a claim is made before the insurance provider takes over the rest of the claim.

There will also be exclusions – some providers for example will not cover damage by tenants who have let the property. So do check the small print.

Buildings insurance typically covers the shell of your property and anything that you leave behind if you were to move. This may include bathroom and kitchens along with fitted wardrobes. It typically – but not always – covers garden paths, walls, outer buildings, patio areas, swimming pool and garage.

A policy for your home typically protects against fire and theft, vandalism, storm and flood damage, earthquake damage and damage as the result of lightning. However, you do have to check the terms of the cover to ensure you know what you are and are not protected against.

When looking for cheap French holiday home insurance there are many ways that you may be able to help keep down the cost of the insurance.

Security – Security of your home is generally taken into account by insurance providers. For example if you install additional security measures such as an alarm system, smoke alarm, security lighting and erect fencing and a gate around your home it may be seen as less of a risk to thieves.

New for old or depreciation – When insuring the contents of your home insurance providers generally offer a policy that replaces your items and belongings as new for old or they may consider depreciation. If items are replaced as brand new despite their condition, you generally have to pay higher premiums.

How much insurance – When looking for cheap French holiday home insurance you have to make an inventory of the contents of your home. You then insure for this amount, how much cover you need reflects on the insurance premiums. The more you choose to cover the dearer the insurance premiums. It is important to make sure you have adequate coverage but you do not want to over-insure so that you are in effect paying out for cover that is not relevant.

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