Insurance for a holiday home is essential to make sure that your property is always in great repair and ready for your visit. If you’re lucky enough to have a holiday home then there are some very good reasons to consider insuring it.
Holiday homes are often empty
As most of us don’t spend all of our time on holiday, this type of property can sit empty for much of the year. This leaves it open to vandalism, burglary and squatters.
Holiday homes need repairing too
Just like your main home, a holiday property can be damaged by weather or other people and require repairs. Holiday home insurance means that you don’t have to foot the bill for this.
Standard home insurance won’t cut it
Most home insurance policies won’t pay out if a property is left empty for long periods of time – usually upwards of 30 days. If you’re letting out your holiday property when you’re not there a standard home insurance policy won’t cover this either.
If you’re letting out your property you’ll need extra cover
Standard home insurance doesn’t cover lettings properties but it also won’t offer the extras you’ll need if you’re hosting paying guests. These include public liability insurance, in case anyone is injured while staying with you, and employer’s liability insurance, which will cover anyone injured while working for you.
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