How to Not Underestimate Your Holiday Home Insurance

When you choose holiday home insurance, it is important to give the correct information to your insurer, so that they can calculate your cover correctly. It is obviously crucial to advise if your property is in an area prone to flooding or earthquake, but it is also crucial to advise your insurer of any other material facts that affect your property, such as if you are going to be undertaking renovation work or if the property will be left empty for an extended period.


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    Ask as many questions as you wish before buying to ensure that you are clear. It may be an idea to make a list of ‘what would happen if…?’ scenarios to be clear in your mind what you want to ask. If you don’t know what ‘fixtures and fittings’ for example, covers then ask to have it explained.
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    Having bought your policy, it may seem tedious, but it is very important to be sure that you know exactly what your holiday home insurance will cover, and what it won’t and also what you're not fulfilling certain laid down conditions will do the value of the insurance.
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    As 20% of holiday home claims are against water damage, and, as, in colder climates such damage is often caused by burst pipes, you will not be surprised to hear that many holiday home insurance policies will only cover you if you maintain a minimum temperature in a property - or will insist that both water and gas are turned off for the winter.
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    Similarly, you may have locks on doors and locks and bars on windows as stipulated in your policy, but you omit to mention that you leave keys in a plant pot in case you forget your keys or for when guests arrive. A burglar making use of such a key would negate any claim made against burglary if your policy covers ‘forced entry’ only. In fact in a holiday home, where people may not behave in as security conscious way as you might wish, buying insurance against ‘unforced entry’ burglary would probably be the safest option.
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    Ensure that you are clear on what eventualities will not be covered by insurance and which situations you are expected to finance and which you are expected to actively preempt by keeping maintenance and repairs up to date. If you fail to unblock your gutters or not replace fallen slates on your roof, your insurance company may well consider that your claims for the resultant water damage to your building are not valid.
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    On the other hand make sure that you are not under-insured. For example, your property is part of an apartment block, you may have community building insurance, but you will need to check carefully what this covers before deciding that you do not need anything other than contents insurance on your own particular flat. You might find yourself with structural damage caused by a washing machine leak, for example, only to find that your community building insurance only covers communal areas of the building and the basic structure of the block, but not repairs within the private flats.


  • Make sure that you have sufficient insurance to cover paying guests if you offer your holiday home for commercial holiday lets, your public liability cover is very important particularly if you offer a swimming pool at your property, for example. Insurance For Holiday Homes will be happy to answer any of your questions about insuring your holiday home.

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Categories: Insurance