If you enjoy time away in your own holiday home, then you’ll need holiday home insurance to protect it if anything goes wrong. Holiday home insurance protects your getaway when you are staying there, and when you not.
A holiday home is vulnerable to the same risks as your own home. It may suffer from flooding. Alternatively, it may suffer from roof damage. As well as the building of your holiday home being at risk, the contents may also be at risk of damage or theft. Your holiday home insurance is there to protect both your buildings and contents.
Why Do I Need Holiday Home Insurance?
While holiday home insurance is similar to a standard home insurance policy in what it covers, there is a critical difference. Standard home insurance policies will be invalid if the property is empty for over 30 days a year. Your holiday home is likely to be vacant for 30 days in a year, which will mean it needs a specific insurance policy to ensure it remains valid.
If you also rent out your holiday home, then your insurance policy will need to cover this aspect of your business. You can tailor your holiday home insurance to your needs. As well as covering your contents and buildings, it can also include the loss of rent and public liability too.
What Can I Include In Holiday Home Insurance?
Building cover is usually part of the policy as standard, but other aspects you may see in a policy include;
- Contents insurance
- Emergency travel cover
- Personal possessions insurance (for items that you store outside of the home)
- 24-hour helpline.
All policies will vary in what they offer. It is essential to state exactly what you want your plan to include and also read the small print carefully.
Do you have questions about Holiday Home Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.