There are many reasons for buying a holiday home: it might be in a part of the country where you enjoy taking occasional breaks away from your principal residence; it might be the setting for holidays for you, your friends or family; it might be bought for you to move into when you retire; or it might be an investment from which you intend to earn a regular income from rent. However you look forward to enjoying the property, though, you are likely to want to protect both the building and its contents with suitable holiday home cover.

The building

The fabric of the property is exposed to all of the perils of any other building: namely, fire, flooding, storm damage, vandalism and impacts from such things as falling trees, telegraph poles, aerials and the like. The difference with holiday home cover, however, is that it is probably going to need to extend such cover during significant periods of time when the property lies empty and unoccupied.

These are times when many insurers grow distinctly nervous about covering the property and most reduce the level of cover after it has been empty for between 30 and 90 days (depending on the insurer). Specialist holiday home insurance providers, however, are likely to be more accustomed to customers needs to maintain cover at an acceptable level even when the property is unoccupied, but is very important that you always check what an insurers’ stance on unoccupied properties are rather than just making an assumption..

The contents

The contents of your holiday home might not be as extensive or as valuable as the contents of your principal residence, but they if even just a few items become damaged or are stolen, then they are likely to be expensive to replace. Once again, specialists in the provision of holiday home insurance are likely to be in a position to ensure that valuable contents remain protected the year round, even at those times when the property is unoccupied.

Insurance to suit you

Because your home away from home is likely to have a number of potential uses and occupation patterns, standard “one size fits all” insurance solutions are unlikely to offer exactly the cover that you need. You might then be exposed to the risk of under-insurance (if certain elements remain unprotected) or over-insurance (if you end up paying for cover that you really do not need). Specialist holiday home cover is likely to offer the kind of tailored solution appropriate for your own holiday retreat.

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