How to Get Holiday Home Insurance
The process of insuring your holiday home is slightly different to that of your main home. Standard buildings and content insurance is only valid if the building is left empty for less than 30 days at a time. If your holiday home is left unoccupied for longer than that e.g. you only stay there for one month a year, then you require special policy for your holiday home.
This can often result in a slightly higher cost than expected but thankfully you can use our online home insurance quote comparison tool to find holiday home cover that suits you.
Holiday Home Insurance – Cover Options
The cover options are more or less the same as normal home insurance.
Buildings and Contents Cover
The most popular home insurance cover. This covers the main building i.e. the home and any outbuildings such as a cabin or patio. The contents portion of the cover insures your personal belongings and any other contents of the house.
This covers the domestic buildings of your property only.
This covers the contents of the buildings and not the buildings themselves. This is a popular policy with renters. Note that some items are not covered by the contents cover. Tools and gardening equipment are usually not included in this type of cover. Similarly, any exceptionally valuable items will require separate insurance cover.
If you are unsure about what policy you need for your holiday home do not hesitate to contact our trusted team of advisors at 042 9359051.
Policy Excess – Holiday Home Insurance
Before you take out your holiday home cover, you need to think about your policy excess. Insurance companies take this into account when calculating your premium.
This is the amount you will pay towards repairs before the insurer pays. The lower the excess you are willing to pay, the higher your premium will be.