Holiday Home Insurance and Second Home Insurance
Protecting your holiday home either overseas or in the UK is a vital way to protect your investment. Choosing a UK insurance product means that you will have peace of mind, when it comes to having to make a claim.Selecting the "get a quote" button will direct you to Intasure.
Holiday home insurance for your peace of mind
If you become the proud owner of a holiday home, you will generally want to take out buildings insurance in order to protect your investment. Buildings insurance typically covers the shell of your property and any non-removable fittings within it. If you want total peace of mind for your home then you may also want to consider contents holiday home insurance, which covers items within your holiday home.
Buildings cover
A typical buildings insurance policy covers the outer shell of the property and may also cover any paths, walls, patio, outer buildings and swimming pool too, but not always, so check the policy wording before you buy. Fittings and fixtures in the holiday home such as kitchens and bathrooms are generally also included in the policy.
Protection for your contents
A typical holiday contents insurance policy may cover any items in the property that are removable. These could include any furniture, goods inside the property and possessions. Accidental damage is usually not included as standard in the policy and there may be limits and exclusions for items that are above a set value.
What the policy typically covers
Both of the above forms of home insurance typically cover a wide range of circumstances such as fire, theft, damage by vandalism, storm and flood, earthquakes, explosions and civil disturbances. However, you do have to check the small print to be sure what is and is not included in a specific policy.
Cover for holiday home letting
If you rent out your holiday home when you are not using it, public liability cover gives you peace of mind. If anyone staying in your holiday home were to become injured, a claim may be made against you for damages. A public liability policy typically pays up to so much towards legal costs associated with a claim.
Loss of pre-booked rental income in your holiday home insurance also brings financial peace of mind. If your holiday home were to become damaged to the extent you were unable to rent it out, you may lose a great deal of money. Pre-booked rental loss typically covers your rental loss and may include alternative accommodation for you and your family if the property is damaged whilst you are staying in it. However, not all providers offer this option, so do check the policy wording.
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