Holiday home insurance
Building and contents insurance- This will protect your property and belongings in the event of damage.
- The insurance will cover the cost of any necessary repairs including the cost of rebuilding.
- To make sure that your policy is valid you will need to check whether any specific security measures are required.
- It is a good idea to look for a policy that will cover you for non-forcible theft in the event that a guest leaves your windows open.
- Check that both indoor and outdoor furniture is covered.
- Some insurers may have seasonal changes to their policies such as leaving the heating on in the winter and draining the systems of water when no one is in the property.
- Make sure that you policy includes accidental damage by guests.
- You will need to check how long you can leave your property empty before your policy becomes invalid.
- This will cover you against any claims made by guest with regards to injuries they sustain whilst at your property.
- An indemnity of £3m is recommended.
- Make sure that insurance cover the swimming pool and any injury that might occur in and around it.
- It is always better to get insurance that is tailored to holiday homes.
- Make sure that guests know to organize their own travel insurance to cover any medical treatment whilst on holiday.
- Some insurers offer cover for loss of earnings in the event of flood or fire damage, however please check the fine print as they may only cover booking that have already been taken.
