Prudent owners of holiday accommodation in Europe are likely to give serious consideration to protecting their investment with adequate and reliable holiday home insurance for Europe. Their home in the UK, after all, is almost certainly going to be covered by buildings and contents insurance, so similar protection of their second home away from home is also likely to be given a high priority.

When purchasing cover for property abroad, however, there are some important additional considerations which might not immediately spring to mind when arranging the insurance:

• Mind your language – it is probably a statement of the obvious, but in foreign parts, they tend to speak a foreign language. This might be part of the joy of owning a holiday home overseas, but it certainly has the capacity for making some negotiations rather tricky. If you need to prepare a claim on your holiday home insurance for Europe, for example, the language barrier might prove more than an inconvenience but actually prevent you from winning the compensation you deserve (and have paid for through your premiums);
• Anyone at home? – practically by definition, holiday homes are rarely occupied the whole year round and are likely to stand vacant for appreciable periods of time. Empty property, however, is vulnerable to a considerably wider range of risks than an occupied one and some insurers therefore impose restrictions on the cover that remains in place beyond a certain period of its vacancy. Choosing your insurer carefully – and being able to read the detailed terms and conditions of the cover in English – might help you gain a better understanding of the status of your holiday property cover whenever it is unoccupied;
• Location, location, location – different insurers, even those that are UK-based, seem to have different definitions of “Europe”. Some include only the major European nations, some include any that are members of the European Union, whilst others cast their net still further and include other popular holiday destinations, such as Morocco, Tunisia and Turkey;
• Solutions – fortunately, many of these pitfalls that are capable of catching out the unwary property owner might be avoided by consulting a specialist, UK-based insurance adviser. Many have websites that allow interested customers readily to search for the most suitable – and affordable – holiday home insurance in Europe.

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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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