Tips for Insuring Holiday Homes
Holiday homes bring so many of us so much pleasure. Very often used by the whole family, extended family and friends, they make the perfect escape; a home-away-from-home without the stress of the unknown. Some holiday homes cover their own overheads through generating rental income, not to mention being a useful part of any investment portfolio. Therefore, it’s important to get the right cover when choosing holiday home insurance.
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Take the stress out of owning a holiday home in the UK or in most European countries by enjoying the peace of mind that comes with knowing your property and its contents are properly covered. Here are our top tips to consider when taking out holiday home insurance.
A drawback when insuring any holiday home is that they can be left vacant for extended periods and many insurers will invalidate cover if a property is left vacant for more than 30 days. Vacant buildings are considered to be at greater risk, less secure and vulnerable to vandalism, theft and water damage, often caused by unattended leaks and burst pipes.
Because of this standard insurers have been known to increase premiums to cover the additional risk, but also to deter this type of customer. Using a experienced specialist Broker insurer such as Highworth Insurance, means that they are familiar with the risks associated with holiday homes. We have a history of arranging non-standard and vacant property insurance and can take a view in order to give you the best possible price.
Ideally you are looking for a policy with the flexibility to cover your holiday home and the people in it, regardless of whether that’s you and your family enjoying a break, it’s temporarily unoccupied or is being let to friends or strangers.
Get a Quote
It’s important to insure both the buildings and contents when insuring a holiday a home. You’re probably not keeping valuable jewellery, cash or investment pieces there long-term, but sporting equipment, furniture, fitted bathrooms and kitchens and onsite technology can soon add up.
Depending on its usage, you may also want to consider additional types of insurance for your holiday home, for example:
If you are thinking of letting out your holiday home, liability cover will be an important part of your policy. This covers you against claims made by tenants as well as protecting:
Highworth Insurance automatically include £5,000,000 of legal liability within holiday home insurance policies.
Some insurers will only cover holiday homes in the UK and others only extend international cover to specific countries. Here’s a list of countries covered by Highworth Insurance:
Get a Quote
Highworth Insurance are specialists in arranging high value holiday home insurance and can design cover to protect you, your tenants, guests and/or staff. We can arrange comprehensive holiday home insurance for your property and contents, even if your holiday home is unoccupied for extended periods.
You can talk to any one of our experienced Account Managers Monday to Friday between 9am and 6:30pm and on Saturdays between 9am and 12:30pm. They will be able to give you knowledgeable quotation based on your holiday home and provide advice on the best levels of cover for you: 01202 937430.
Get a Quote
Top tips when insuring a holiday home
Take the stress out of owning a holiday home in the UK or in most European countries by enjoying the peace of mind that comes with knowing your property and its contents are properly covered. Here are our top tips to consider when taking out holiday home insurance.
Use an experienced specialist Broker
A drawback when insuring any holiday home is that they can be left vacant for extended periods and many insurers will invalidate cover if a property is left vacant for more than 30 days. Vacant buildings are considered to be at greater risk, less secure and vulnerable to vandalism, theft and water damage, often caused by unattended leaks and burst pipes.
Because of this standard insurers have been known to increase premiums to cover the additional risk, but also to deter this type of customer. Using a experienced specialist Broker insurer such as Highworth Insurance, means that they are familiar with the risks associated with holiday homes. We have a history of arranging non-standard and vacant property insurance and can take a view in order to give you the best possible price.
Consider who will be using it
Ideally you are looking for a policy with the flexibility to cover your holiday home and the people in it, regardless of whether that’s you and your family enjoying a break, it’s temporarily unoccupied or is being let to friends or strangers.
Get a Quote
Think about the type of cover you need
It’s important to insure both the buildings and contents when insuring a holiday a home. You’re probably not keeping valuable jewellery, cash or investment pieces there long-term, but sporting equipment, furniture, fitted bathrooms and kitchens and onsite technology can soon add up.
Depending on its usage, you may also want to consider additional types of insurance for your holiday home, for example:
- Temporary loss of accommodation
- Loss of rental income
- Liability insurance
If you are thinking of letting out your holiday home, liability cover will be an important part of your policy. This covers you against claims made by tenants as well as protecting:
- Your personal capacity
- People temporarily occupying your home with your permission
- Covers your liability as an employer of domestic staff
Highworth Insurance automatically include £5,000,000 of legal liability within holiday home insurance policies.
Location, location, location
Some insurers will only cover holiday homes in the UK and others only extend international cover to specific countries. Here’s a list of countries covered by Highworth Insurance:
- UK
- France
- Spain
- Portugal
- Greece
- Italy
- Southern Cyprus
- Bulgaria
- Channel Islands
Get a Quote
High value holiday home insurance
Highworth Insurance are specialists in arranging high value holiday home insurance and can design cover to protect you, your tenants, guests and/or staff. We can arrange comprehensive holiday home insurance for your property and contents, even if your holiday home is unoccupied for extended periods.
You can talk to any one of our experienced Account Managers Monday to Friday between 9am and 6:30pm and on Saturdays between 9am and 12:30pm. They will be able to give you knowledgeable quotation based on your holiday home and provide advice on the best levels of cover for you: 01202 937430.
To discuss your insurance needs with an experienced account manager please call 01202 937430 or apply online to get an instant quote