Are you fortunate enough to own a holiday home? Is it a bolt-hole used only by you to escape the pressures of everyday life or is it somewhere you’re happy to see used by family and friends for their holidays, too? Does it lie idle and unoccupied for much of the year, or is it somewhere that also generates a regular income when let to paying guests? Whatever enjoyment you’re able to get from a second home, you are likely to give serious consideration to the holiday property insurance that protects both its fabric and its contents.

On the face of it, going about arranging that insurance appears simple enough. If you are an existing property owner, with your own home to look after, then you probably know a thing or two about buildings and contents insurance. Holiday property insurance, however, might require something a little different and call for some specialist advice, in order to get just the cover you need – few people want to pay for cover they do not need, for example, whilst the careful property owner tries to ensure that all the essentials are covered.

Fortunately, there are a number of specialist, holiday property insurance providers whose web-based quotation services might help you find just the cover you require. Some of the key points worth bearing in mind are:

• Whatever the location of your property, you are likely to want a policy that is readily understood, with critical “small print” explained in advance. If your holiday home is overseas, therefore, it might well be worth insuring it through a UK-based insurer, with a policy written in English and help-lines manned by native English-speakers, in the event that you need to make a claim;
• If the property is likely to remain unoccupied for substantial periods of time, your insurer needs to know that fact and take it into account when arranging the cover;
• If you employ others to care-take your holiday home or help to maintain it, you might wish to consider including employer’s liability cover in your holiday property insurance – indeed, if such staff are retained to look after a property in the UK, the law might require that you have such cover.

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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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