What does holiday home insurance cover?
Policies differ but your main goal is to protect your home and the contents inside, so holiday home insurance mainly comprises buildings and contents cover.
Buildings insurance covers the structure of your property against risks such as fire, storm and flood, and could assist in repairs or building work that may need to be carried out if the property is damaged. You must take into consideration the cost to rebuild your home to make sure you that have the right level of buildings cover. Be specific and let us know exactly what you would like covered, so if, for example, these must be specifically added to your policy.
Contents insurance can cover possessions inside your home and it’s essential if you are letting out your home – either to friends and family or on a commercial basis. Normal home insurance will cover your family and guests in your home, however if you are renting your property, you face extra risks as a landlord. You must take into consideration the cost of the contents inside your holiday home to make sure you have sufficient cover.