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Holiday home insurance is a specialist type of policy which will cover your property, even if it’s left unattended for weeks or months on end.
Why is this necessary? Well, with a standard home insurance deal, an insurance company will typically refuse to pay out if you leave your home unoccupied for 30 consecutive days or more.
Much like with regular home insurance, you’ll have to decide whether you want to get buildings cover, contents cover or a combination of the two for your holiday home.
In all likelihood, yes. You won’t be able to take out a standard home insurance policy if your second home is left unoccupied for 30 consecutive days or more.
Plus, if you have tenants living in the holiday home for much of the year, you’ll probably need a specialist landlord insurance policy.
Much like with standard home insurance it depends on what level of cover you get. Here’s a breakdown of your options:
You could well be satisfied with your main holiday home insurance policy, yet some deals aren’t all that comprehensive.
In some cases, you might need to buy additional levels of cover from your insurer. For instance, you might consider getting the following:
If you rent out your holiday home then holiday let insurance is probably what you’re after.
This specialist type of policy can cover your property for accidental damage, if one of the tenants or guests smashes a TV for instance.
Plus it can offer public liability protection, should anyone hurt themselves while on your property.
It’s crucial you look at your holiday home insurance policy documents before signing up for good. Each insurer will have its own set of exclusions or situations where it will refuse to pay out.
Typically, any damages that arise as a result of the following won’t be covered:
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