Holiday Home Insurance differs from general household insurance, the property is likely to be unoccupied for longer periods of time, the liability caters for paying guests and should your property become uninhabitable due to an insured event the policy will pay for loss of booked income.
Our Southern Office specialises in Holiday Homes, we have a number of insurers with specialist schemes tailored for all your holiday home insurance requirements:
– Buildings Cover – This is the full cost of rebuilding the property in the same form, style and condition as exactly before the loss. This sum must include an amount for professional fees and debris removal costs. If you are unsure of your building sum insured, then seeking professional help from a qualified surveyor would be advised.
– Contents Cover – Your contents must be insured for the full cost of replacement as new. This includes household goods and valuables within the home. Radio, television aerials and satellite dishes attached to the home must be included in this sum also.
– Accidental Damage – We all know accidents happen in life and that is why our insurers give you the option to add this valuable cover to your policy. The definition of Accidents in the home is classed as sudden and unexpected events which have caused visible damage. They are inevitable and have not been caused on purpose.
– Malicious Damage caused by Tenants.
– Loss of Rent or Alternative Accommodation – If you have to move out of the insured home because of loss or damage covered under the policy then our insurers will either pay the additional costs of alternative accommodation, substantially the same as your existing accommodation which you have to pay for whilst the property cannot be lived in. OR pay the rent that you unable to recover.
– Property Owners Liability – As a property owner this will cover your legal liability for accidental death, bodily injury, illness, or disease to members of the public.
