11:42 21 February 2013
Holiday home insurance is significantly different compared to regular home insurance. The first one is generally more expensive compared to the latter simply because insurers consider holiday homes more prone to damages and burglary. Thus, they expect more claims from this type of insurance policy.
Holiday homes are usually empty for long periods of time. Because of this, accidents or unfortunate events usually occur and not dealt with in a timely manner. For example, a leaking roof can cause damage to the house interiors when not fixed on time. Because of this, insurers expect that they are more likely to receive claims from their clients.
When getting holiday home insurance, it’s important that you can convince your insurer that your holiday home is generally safe. You can make this happen by getting somebody to take care of the house or at least check the house on a weekly basis.
Also, avoid getting the cheapest policies. You would want a comprehensive insurance for your holiday home so you’ll get a peace of mind knowing that whatever happens when you’re away, you’ll get the kind of protection that you really need.
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