It can be confusing to know where to go when it comes to arranging insurance for a holiday home. If the property is based abroad it can be even more baffling, as you may be offered cover by foreign agents or referred to firms by your mortgage provider. But it is often possible to arrange cheap holiday home insurance through companies based in the UK, and many can supply specialised policies which apply to property based at home and abroad.

Deals may often include both buildings and contents insurance and crucially include some valuable extras which may not be included in a normal domestic insurance deal. For example, deals can include legal liability protection for domestic employees, such as cleaners or cooks.

Holiday home cover arranged through a UK company can also ensure that somebody understands exactly what they are buying. Unless somebody has a fluent grasp of the language in which their property is based, they may simply struggle to understand what the conditions are on their policy. This leaves them open to the risk of invalidating their cover.

For example, some holiday insurance policies have been known to include strict conditions including that the owner ensures that the heating systems have been drained when they are not in the home. These things can easily be missed when the policy is in a foreign language and cheap holiday home insurance supplied through a UK provider means you’re going to get your documents in English.

Arranging cover with a UK based company can also mean you get access to English speaking staff, crucial if you have to make a claim and which could potentially save an awful lot of stress and confusion.

Specialist cover can also ensure somebody has protection for their income in the event that the property is damaged by something like a fire or flood and becomes uninhabitable. This has obvious implications if somebody is intending to rent out the property to paying holiday makers. During peak season somebody may heavily rely on the income they get from tenants, and if the home is out of action they may lose a considerable amount of money. Holiday home insurance can often be tailored to cover against this eventuality, supplying somebody with part or all of the income they would otherwise have lost completely.

Other things to take into consideration include contents insurance – how much is actually kept in the house when you are not around? To get it right you will need to do an adequate assessment of what is in the house regularly, as you would do for a domestic insurance policy. Specialist providers can ensure you get a level of contents cover which is realistic and appropriate to the property.

Cheap holiday home insurance does not necessarily mean that you are scrimping on detail. Many providers have spent years perfecting policies so that they are effective for people who own property abroad, whether as a second home or only as a long-term investment.

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Austria	Egypt	Italy	Netherlands	Spain
Belgium	Estonia	Latvia	Norway	Sweden
Bulgaria	Finland	Liechtenstein	Poland	Switzerland
Cape Verde	France	Lithuania	Portugal	Tunisia
Cyprus	Germany	Luxembourg	Rep. of Ireland	Turkey
Cyprus (North)	Greece	Malta	Romania	UAE
Czech Republic	Hungary	Monaco	Slovakia	United Kingdom
Denmark	Iceland	Morocco	Slovenia

 

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