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Holiday Home Insurance: Protecting Your Holiday Home in Winter

Industry research revealed that one-third of UK holiday homeowners have the wrong insurance – mistakenly believing that a main residence policy will cover their holiday home.

As the holiday season comes to an end, holiday homeowners must prepare their second homes for the winter.

However, most home policies do not include cover for holiday homes and deem them as too risky, since owners leave them unattended for months at a time, exposing them to theft, potential loss of rental income and more. The only guaranteed way to protect your holiday home is by purchasing bespoke insurance. 

Holiday Home Insurance

Make sure your cover includes:

  • Building cover: In addition to the main property, this provides cover for outbuildings, swimming pools, tennis courts, etc.
  • Contents cover: This provides cover for the personal effects of your home.
  • Liability cover: This provides cover in the event that a guest, gardener or seasonal tenant is injured on the property.

Maintenance Tasks

Along with purchasing bespoke cover, perform the following maintenance to ensure your holiday home stays safe:

  • Turn off the utilities: Turn off the water and gas, and unplug all electronic devices. If your home has an electric heater, set the temperature to 12C.
  • Winterise the home’s pipes and exterior: Ensure that all the waterlines are drained and the pipes are properly insulated. Inspect the seals around windows and doors for any leaks, and have the gutters cleaned.
  • Lock up valuables: Perform maintenance on vehicles before securely locking them away. Store any valuables away from windows.  
  • Schedule lawn maintenance: Have any nearby trees trimmed, any garden tools securely stored and the lawn mowed.
  • Activate security devices: Make sure the home is fitted with security devices such as alarms and window locks to deter theft.

Each holiday home is unique, making bespoke cover a vital piece of protection. For more information on protecting your holiday home, contact Sirelark Risk Services today.

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This brochure is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. © 2015 Zywave, Inc.

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