Are you searching for holiday home insurance?

  So you bought a home in the sun and being a realist you realise that there are many disasters that can befall a property which is left unattended for much of the year so you want to have insurance protection for it. Not a problem, you have a perfectly adequate insurance policy on your own home in the UK so you think that a similar policy will be perfectly adequate for your holiday home. Sorry, but the difference between your home in the UK and the property abroad is as vast as that between chalk and cheese as far as the insurance companies are concerned!

For instance, there is a distinct possibility that your property in the sun has a swimming pool. How many houses in Britain possess one? More to the point, how many house insurance policies in the UK cover swimming pools? Your home in the UK is your main place of residence and it is occupied by just you and your family. Your property abroad is a home to you for several weeks, or at the most several months out of every year and for the rest of the time it is either empty, or occupied by friends or relations, or perhaps even paying guests. These people may look after your property as well as you would yourself, but then again they may not and your insurer is aware of that fact! Your UK home is likely to be occupied for most of the year, your holiday home may be unoccupied for most of the year, during which time it could be wide open to attack from adverse weather conditions, insects, vandals or even squatters and all the less you were made aware of these problems they could go on for many months whilst the value of your property deteriorated.

It is therefore that the risks that your holiday home faces are entirely different to those that your home in the UK has to contend with, which is why specialist holiday home insurance is so essential.

Try here for UK home insurance, you might get a very good deal indeed!

 

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