Holiday Home Insurance for Second Homes in UK Spain France Portugal Italy

Many people buying a holiday home or second home in the UK or in Europe are offered holiday home insurance cover by an insurer, broker, their foreign agent or notary. Of course it is too easy to say "Yes", but the cover offered may not be suitable due to the special insurance requirements needed for a holiday home or second home.

With the inherent risks of owning a holiday home in the UK or abroad being substantially greater than that of your main residence, there is a real need for a holiday homes insurance policy written in plain English, which pays particular attention to the special requirements for second homes, and which also provides a wide band of cover.

The policy, which is underwritten at Lloyds, offers Buildings and Contents cover but is flexible so that owners do not end up paying second home insurance for what they do not need - not every property has a swimming pool. Certain features are considered to be of vital importance, and therefore overseas home insurance cover for loss of use, legal liability for domestic staff, public liability and accidental damage to domestic supplies are included as standard. A further helpful addition ensures that all local taxes on overseas properties are included within the premium.

The true value of any insurance is however only fully appreciated when a claim is made. Policyholders of Insurance for Holiday Homes who own a property overseas and have overseas holiday home insurance will be spared the difficulties of discussing their claim with a foreign agent via a continental telephone call, and will be able to speak directly to experienced English staff who will provide every assistance and be fully responsible for liaising with the overseas loss adjusters.

Although low premium rates are of paramount importance, the overseas house insurance cover should be simple to understand, offer a high level of security and in the event of a claim a satisfactory result.

If you own or are buying a French, Spanish, Italian, Portuguese, Maltese, Cyprus, Greek, or Irish holiday home, and you are looking for overseas property insurance or holiday home insurance abroad then Insurance for Holiday Homes can offer you insurance for buildings and contents designed exclusively for properties used as a holiday home or let for holiday use, and paying particular attention to the requirements needed for overseas holiday homes.

The most common cover provide is for holiday home insurance in spain and holiday home insurance in france, but as an owner of a holiday home abroad, it is vital that you fully understand the extent and limitations of your insurance policy. Do you have cover for legal liability for domestic employees? What restrictions are in place when letting and un-occupancy etc? And most important of all what do you do in the event of a claim?

If your policy has been placed through an insurer in France, Spain, Italy, Portugal etc. it is more likely that you simply do not know. Insurance for Holiday Homes is the answer for you. We specialise in overseas holiday property insurance providing a plain English policy underwritten at Lloyds and administered in the UK via helpful and knowledgeable staff. Cover can also be provided for holiday home insurance in portugal and french holiday home insurance.

If you own or are purchasing a holiday home in the UK then Insurance for Holiday Homes can offer you insurance for buildings and contents designed exclusively for properties used as holiday homes or let for holiday use.

As an owner of a holiday home, it is vital that you fully understand the extent and limitations of your insurance policy. What restrictions are in place when letting and un-occupancy etc? Do you have cover for public liability or loss of use? You might think that the best thing to go for is cheap holiday home insurance, but are you really that well covered with the cheapest policy?

If your holiday home insurance uk has been placed through an insurance agent who does not specialize in, or fully understand the requirements of your holiday home or let property, you may find that you do not have adequate cover to fully protect your holiday home.

It is essential that you get the correct property insurance to suit the specialized requirements needed for your holiday home.

"The answer is Insurance For Holiday Homes a specialist in Holiday home insurance providing a plain English policy underwritten at Lloyds and administered via helpful and knowledgeable staff."

When it comes to insurance for second homes, whatever you do, don't risk turning your dream holiday home into a nightmare.