A second home abroad is a big investment, so cheap, comprehensive house insurance for holiday home can ensure you'll continue to enjoy it rather than worrying about something going wrong.
Most holiday home insurance UK companies will allow you to tailor their holiday property insurance packages, so you can quickly find suitable policies and providers online using a holiday home insurance comparison.
Look for policies with maximum cover limits that match your requirements, and compare quotes for each to find the cheap holiday home insurance offering the right level of cover at the best price.
You'll need to consider:
Holiday home building insurance
Buildings cover for your holiday home should allow you to repair or rebuild it if it's damaged or made uninhabitable through fire, vandalism, accidental damage or storm/flooding.
This means your maximum cover limit will need to match the total rebuild value of your holiday property, potentially including costs for site clearance and labour too. Also check if outbuildings, garages and swimming pools are included, and again ensure their cover amount (if separate) protects their full value.
Holiday home contents insurance
Contents insurance for holiday homes is designed to protect your personal possessions stored at your second home from the risk of theft, accidental damage, vandalism.
There is usually a limit to how much you can claim for any one item, so make sure to check any limits are sufficient to replace your most valuable possession. Plus, make sure the total cover limit gives you adequate overall protection: for example if you need furnished holiday home insurance you will likely require a high level of contents cover.
It's also vital to check whether your contents will still be covered while the property is unoccupied; and its attached terms and conditions. Some policies may require you to check on the property (e.g.) once a month, while others demand certain alarms and other security features.
Make sure your home fits in with each policy's conditions, or consider if you're willing to install such features yourself. Check if your unoccupied cover includes any outdoor furniture or fittings; and decide if you need to add fridge/freezer cover to self catering holiday home insurance.
Owner's liability insurance
Public liability cover for second homes will protect you from expensive third party injury and illness claims made against you, as well as covering loss or damage of their possessions.
This cover is particularly important if you rent out your holiday home or lend it to family and friends; due to the costs of emergency healthcare abroad cover can run to £5,000,000 and beyond.
What else is covered?
There are a few final things you'll need to consider to make sure your holiday home insurance policy gives you the protection you need.
Check if each policy covers the region where your holiday home is based - be that in the UK, Europe or even further afield - and exclude any that don't offer protection in your location. For example, you can get UK holiday home insurance if you have a holiday home in the UK.
You should also consider if you need to add cover for emergency travel expenses or accommodation.
Emergency travel insurance pays your costs if you have to rush out to sort out a problem, so the more expensive it is to get there the likelier you are to need cover. Similarly, consider the cost of alternative accommodation at your holiday home's location to see what cover (if any) you'd like added to your policy.
Finally, check each policy's terms for if you let it out privately - is it still covered and will loss of rent be compensated? Also check if the policy's cover allows family and friends to stay.
If you get as many quotes as possible, but only for policies that offer you the insurance you need, you can be sure even the cheapest holiday home insurance won't let you down. This way you can find