Holiday Home Insurance

In the excitement of purchasing a holiday residence, you may have neglected to consider that holiday home insurance will be a necessity; yet if you are planning to buy in France, a popular choice for its proximity, you will need to arrange this prior to signing the sales contract; elsewhere the responsibility is yours after you complete your purchase.

Holiday home insurance is aimed at people who own properties abroad, and who generally spend no more than 6 months a year at their overseas residence.

These policies are similar to standard home insurance policies for UK properties, but some do offer special features for those that wish to let their property to holiday makers.

Holiday home insurance through a UK insurer provides a service to home owners who would prefer not to liaise with foreign insurance companies, and want to avoid struggling to understand policies written in a different language.

You can take out a buildings, contents or combined policy with your insurer, however if you let out your property without informing them they have a right not to pay out under your policy following a claim. If you opt for an insurer that allows you to rent your property as a part of the holiday home insurance, they can include cover for loss of pre-booked rental income.