Holiday home insurance

Holiday home insurance

When it comes to organising insurance for your holiday home rental you must remember to ensure that the policy you take out includes liability as well as standard buildings and contents insurance.

1. Buildings and Contents Insurance
   This is the same sort of cover you have back home, and it will protect your belongings and the building itself against any damage. Your building insurance should be for the cost of rebuilding your property, your contents cover for the cost of everything you would take with you if you moved house. A good policy will also cover accidental damage to contents caused by your guests.
2. Liability Insurance
   This part of a policy will cover you against any claims Holidaymakers make against you if they injure themselves whilst staying in your property. These sorts of policies typically cover you for up to two million pounds (GBP) of claims.

Many insurance companies will also be able to offer you insurance to cover loss of earnings in case of incidents such as fire, flood damage which mean you are unable to rent the property for a period of time. Do check the terms and conditions of all such policies as they typically cover you only on bookings already taken – prior to the incident.

Companies like Intasure offer policies tailored to suit home owners branching into the holiday lettings market. Shop around for the best deal, and always read the small print in the contract. Intasure have recently expanded their policy to include cover for theft and damage by holidaymakers who stay at your property. You can register with them using the following link: Intasure Holiday Home Insurance

The right insurance policy will mean that both you and your property are covered against both the inevitable problems like breakages and minor mishaps and the unforeseen such as fire and flood damage allowing a greater peace of mind about your holiday home rental.