o, you’ve done it! You’ve wrong type of policy could be
found your own place in the huge, so making sure that you get
Sun, you’ve signed the the right holiday home insurance
paperwork and now it’s yours to is a must.
enjoy or let out – or both!
However, whatever you do, don’t When getting insurance quotes,
underestimate the importance of always tell the insurance company
holiday home insurance. what the property will be used
for. For example, if the property
If you own a holiday property will stand empty for a lot of
then you must give the type of time as you will be using it as a
insurance you buy a lot of second or holiday home, then the
consideration. insurer will need to know for how
long and how often this is likely
You should be aware that most to be.
standard home buildings and
contents insurance policies will However, if you intend to use the
not be suitable for either property as a holiday let, then
holiday lets or second you will need a different type of
properties. insurance – landlord insurance.
This is for two reasons. First of Landlords insurance is used where
all, standard policies do not people have buy-to-let properties
provide cover where a property and, as more people invest in
stands empty for a long period of properties to let, the need for
time. this type of insurance is
growing.
Secondly, they will not cover
tenant occupancy. The financial So when looking to insure your
ramifications of getting the holiday home, do ensure that you
choose the right policy to ensure extended contents cover and
that you are adequately protected liability cover. This will
and use a specialist broker. protect both you and your guests
should the unexpected happen.
Finally, do check that your
holiday home insurance has
About the Author:
Sean Horton is Director of Holiday Let Mortgages, offering finance to buy a UK holiday home. The site clovers Holiday Home Mortgages, the process for buying a UK Holiday Home as well as advice on holiday home insurance .
Read more articles by:
Sean Horton
Article Source: www.iSnare.com 
