If you are fortunate enough to own a holiday home or second home then make sure that this prized asset is looked after with the best insurance policy available. As a completely independent insurance broker, Watkin Davies will bring you the most competitive holiday home insurance deals on the market. As we have no ties to any particular insurers, you can rest assured all the advice we offer is completely impartial and given with your best interests at heart.
What is Holiday Home Insurance?
If you have a holiday home, it’ll face the same risks as your main home, so you’ll need insurance if you want it protected. Most standard home insurance policies won’t cover a holiday home, as ordinary home insurance cover isn’t enough. This is because insurers usually insist that any property they cover isn’t left empty for more than 30 days a year, ruling out most holiday homes.
If a holiday home is unoccupied most of the year, it increases the risk of burglary or damage – for instance, if a pipe starts leaking while you’re away, you might not discover it until after there’s been significant water damage. Holiday home insurance is designed to cover these extra risks. Each customer has very differing requirements when searching for holiday home insurance. Some individuals may be lucky enough to spend a large proportion of their time in their holiday home, while others may leave their property unoccupied for much of the year, or even use it as a holiday let.
Whatever your circumstance, the personal and friendly service we offer at Watkin Davies will help you find a holiday home insurance policy that matches your specific individual requirements exactly.
What do we cover?
The entire ethos behind Propertycoverplus is to find niche insurance policies for customers, whatever their requirements. We can protect your second home with a cost effective specialist holiday home insurance policy, which does not restrict your cover when let or unoccupied.
Examples of the cover for loss and damage you can expect from one of our holiday home insurance policies, includes:
- Fire, lighting, explosion or earthquake
- Damage from aircraft
- Storm, tempest or flood
- Escape of water from fixed water tanks, apparatus or pipes
- Escape of oil from domestic fixed fuel oil tanks, apparatus or pipes
- Theft or attempted theft, including theft by tenants
- Impact by any vehicle or animal
- Riots, strikes, violent disorder, civil commotion or malicious damage
- Subsidence, landslip or heave
- Falling trees, lampposts or telegraph poles