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Holiday Home Insurance

Insurance is an essential part of life.

Sometimes it's a legal requirement, like car insurance. At other times it's a condition of a contract, such as a mortgage loan. But in all cases, it's a matter of prudence, foresight and protection. 

Not Just Ordinary Home Insurance

Home-owners would never dream of leaving their properties at the mercy of crime, fire or any number of unpredictable events that could cause serious damage to what is not only their home but also their biggest investment.

The same thinking should apply to holiday home ownership. But while the principle of protection may be the same, the demands and nature of holiday home insurance go far beyond the ordinary. If you're fortunate enough to own a second home, then you need to be aware of what makes holiday home insurance different. 

Standard home insurance requires a specific level of guaranteed occupancy. If your home is to be empty for more than 30 days at a time, you won't be covered. You would have to make special temporary arrangements. A holiday home is going to be routinely empty for lengthy periods throughout the year, so standard policies are unlikely to accommodate this. 

 Special Measures in Holiday Home Insurance

It is easy to see how much greater the risks can be to a second home: 

  • burglary 
  • flooding 
  • electrics 
  • storm damage 
  • infestation

These are the kinds of incidents you'd know about instantly if they happened in your permanent residence. If they occur in your holiday home, it could be weeks or even months before you become aware of them, which could make the situation considerably worse. The insurance might cost you a little more, but the savings on repairs and remedial work could be huge. 

Holiday Home Insurance Abroad

What if your holiday home is not in the UK? The good news is that, in most cases, you won't need to approach foreign insurance companies because many UK providers will cover second homes abroad. The list of countries where they operate is, however, limited so make sure yours is on the list. 

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Holiday Home Letting 

Owning a holiday home can be a great way to combine pleasure and profit by keeping it available part of the year for personal use and letting it out the rest of the time, to create a return on your investment. While that will reduce the length of time it is unoccupied, it does bring other liabilities. There are various options to consider and you should check these with your insurance provider in order to make sure you get the right level and form of additional cover. 

And finally, costs. Holiday home insurance is more expensive than standard cover but you can drive premiums down by keeping your holiday home well maintained, putting security measures in place, using a single insurer for all your policies, choosing a higher excess and paying annually instead of monthly. 

Holiday home insurance needn't be a headache and provides invaluable peace of mind.