Whether it’s in the UK or somewhere in sunnier climes, your holiday home is likely to represent a sizeable investment and one that you want to protect as securely as possible. One of the inevitable problems with holiday home insurance – as with any form of insurance – however, is that you’re unlikely to discover how suitable, safe and reliable the cover is unless or until you need to make a claim.

To help you overcome such uncertainty and gain reassurance in advance of any claim, therefore, it might often repay to purchase holiday home insurance through an experienced specialist provider of this particular form of insurance. One of the likely reasons for consulting such a specialist – typically through a website enquiry – is that insurance for a holiday home differs in a number of respects from other varieties of home insurance:

• Unoccupied – a holiday home is likely to be unoccupied more often and for longer periods of time than your principal residence. The higher risks attracted by empty buildings, moreover, lead many insurers to reduce the level of cover after a given interval (typically more than 30 to 90 days, depending on the insurer). An insurance provider specialising in cover for holiday homes is typically better placed to identify those insurers that continue to provide the cover most appropriate to the occupation patterns of your holiday home;
• Employers’ liability – whether your holiday home is in the UK or abroad, you might also employ staff to help you look after it. If the property is in the UK, you might be under a legal obligation to hold employers’ liability insurance to cover those employees against claims arising from injuries or damage to their property whilst working for you. Other countries, of course, might have different legislation with respect to employers’ liabilities, but the prudent property owner is likely to make certain of any such obligations and to ensure that adequate insurance is in place to provide indemnity against such claims;
• Your needs – holiday homes, of course, come in all shapes and sizes, with a host of possible facilities and amenities. Specialist holiday home cover is likely to offer greater flexibility in arranging cover for only those features that you genuinely need to be protected – not all properties, for example, have a swimming pool, but if there is one, you are likely to want it to remain fully covered by the insurance policy;
• Loss of income – many holiday homes are owned as an investment from which it is intended to derive a rental income. Even the most carefully run businesses such as this, however, suffer setbacks and one of the useful features of a well chosen holiday home insurance policy might be the ability to claim for loss of rental income (such as where the property has been damaged by an insured risk and cannot be let out while it is being repaired, for example). Not all holiday homes insurance policies will offer this cover, so do check.

Looking for Overseas Holiday Home Insurance? Click on a flag to request a No Obligation Quote from Intasure
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

Related Posts

• Getting the holiday property insurance you need
• Your holiday property insurance
• Beginners guide to holiday property insurance