So you’ve got a holiday home? Lucky you… how nice to have a place in the sun… or if it’s in the UK, in the wind and drizzle, but we bet it’s still great for days away.
Now, we’re guessing you might be looking for insurance? Well, you’ve come to the right place, because we can help you compare home insurance and get the right policy at a competitive price.
Why are holiday homes different?
Insuring a holiday home is similar to insuring your main home, but there are a couple of things that make a difference. The same things could go wrong, like a storm damaging your roof or damage or thefts from a break-in, so you still might want both buildings and contents insurance. But holiday homes are also often left empty for long periods of time, which providers are a bit concerned about. If a pipe were to burst, say, you might not realise for a long time, so the damage could be worse.
You might also be letting the holiday home out for other people to enjoy. Providers are concerned about that too, as although they are probably very nice, your tenants might not be as keen to look after the property as you are. That could make your property a higher risk in their eyes – because there’s more of a chance that you’ll need to claim.
If your holiday home is mortgaged, you will need to have building insurance to keep your mortgage company happy. But even if you own it yourself, you might want to think about having buildings insurance in case of a fire. It could be a good idea to make sure the value of the policy is enough to cover the rebuilding of your home.
If you have furniture, utensils, TVs and that sort of thing in your holiday home then you will need home contents insurance too. Think about how much it would cost to replace all the items in each room, including carpets, curtains and kitchen items. Because holiday homes are generally empty more often than a normal home, they could be more likely to be broken into, so you might want ‘unoccupied’ home insurance.
So, you can probably see what’s coming, holiday home insurance could be more expensive than your ordinary home insurance. That’s why it’s a great idea to compare prices with a comparison site.
The good news is, there are quite a few providers that provide policies for second home insurance and holiday let insurance.
So, how do you compare house insurance with comparethemarket.com if that house is a holiday home? It’s pretty simple. Just click on the button above to start a new quote. When you get to the ‘Your details’ section there will be a question about whether the house you’re insuring is your main home, a holiday home, only used at weekends or only in the week.
You’ll then see all the home insurance quotes that the insurance companies have provided. You’ll find some great value home insurance, but don’t just look at the price, check out the features of the policy to make sure it’s right for you. Don’t forget you can also change the voluntary excess – the amount you pay if you need to make a claim – because that could make the policy cheaper. However, make sure it’s affordable should you need to make a claim.
You can also add on some extras, as you would when you get a normal house insurance quote. These include Home Emergency Cover – which gives you a number to call if you urgently need a plumber or other expert and legal protection.
Before you buy second home insurance policy you really need to read the small print. It’s not the most fun thing in the world, we know, but it’s important that you know what your cover includes if something happens.
If you decide to buy it’s easy, just click the policy and it will take you through to the providers website to confirm the policy.
Why use comparethemarket.com?
And of course there’s a great reason to buy with comparethemarket.com… MEERKAT MOVIES. If you buy with us you get 2 for 1 cinema tickets, on Tuesday or Wednesday, every week for a whole year. Take your mum, take your dad, take one of your holiday let tenants if you like! Or if movies aren’t your thing you can still get a meerkat toy instead.*