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Purchasing holiday homes in the UK and abroad has become increasingly popular especially since the rise of the European low cost airlines which has resulted in very cheap airfares. A Holiday home can be used for a variety of purposes, however, most owners will either use the property at weekends or long holidays, or rent the property to derive an income for investment gain or help pay towards the cost of ownership. Get a cheap holiday home insurance quote now!
Depending on how the property is utilised will help determine the most appropriate buildings and contents insurance product. Beware of relying on your existing property cover and adding the holiday home to the insurance policy, the level of protection offered may not be adequate. For example some standard home insurance polices may not provide cover if the either property is left unattended for a specified time which is usually between 60 or 90 days at a time.
The good news is that there are a growing number of specific holiday home insurance products on the market. Look out for policies that contain the following features;
- Some insurance policies will cover the holiday home whether it is occupied or unoccupied, short term let or long term let.
- If the property is uninhabitable, loss of rental income maybe provided.
- Compensation to cover temporary accommodation costs following a claim.
- Outbuildings and swimming pool's covered.
Public liability insurance.
- Emergency help lines for legitimate tradesman.
As a general rule insurance premiums are likely to be lower if the holiday home is not rented out, however, as with any type of insurance product it pays to shop around to find the best value for money.
Get a cheap holiday home insurance quote now!
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