House Insurance Comparison

To answer this full, let’s have a look about what the word ‘contents’ refers to. On the whole, contents generally refer to anything you might take with you if you moved house, including furniture and household good, fittings, electrical equipment, curtains, carpets and items kept in the garage or garden.

So what about contents insurance for second homes?

The definition of contents will generally remain the same; having said that it’s always a good idea to check with your policy provider to find out exactly what your policy covers. Usually a holiday home contents insurance policy will pay if your possessions are stolen, or if they are damaged by a fire, flood or storm.

In a similar way to insurance in the UK, overseas contents insurance should let you extend your policy to accidental damage in the home (ie.. water spillage on an electrical item), although it should be noted that this kind of coverage will not come as standard and you’ll need to talk to your provider to extend your policy. The generally applies whether you’re going to be living in the house or you’re looking for holiday let insurance.

On the whole, holiday homes are seen as fairly high risk by insurers, mainly as you’re not going to be there for a lot of the year. Because of this, many providers will include exclusion causes in the small print, invalidating the cover under certain circumstances.
Make sure to read your small print carefully and check for these exclusion policies some to look out for include theft not being paid out on unless signs of forced entry can be displayed, or not paying out for water damage when a holiday home is unoccupied for a number of days consecutively.

In all, your contents insurance will cover everything in your home (and your holiday home), but in order to feel comfortable and fully covered you’ll need to always read the small print and check exactly what is covered, and under what circumstances. If you’re looking for overseas home insurance it may well be worth going with a UK provider, so you feel comfortable in knowing you’re covered.

To answer this full, let’s have a look about what the word ‘contents’ refers to. On the whole, contents generally refer to anything you might take with you if you moved house, including furniture and household good, fittings, electrical equipment, curtains, carpets and items kept in the garage or garden. So what about contents insurance for second homes? The definition of contents will generally remain the same; having said that it’s always a good idea to check with your policy provider to find out exactly what your policy covers. Usually a holiday home contents insurance policy will pay if your possessions are stolen, or if they are damaged by a fire, flood or storm. In a similar way to insurance in the UK, overseas contents insurance should let you extend your policy to accidental damage in the home (ie.. water spillage on an electrical item), although it should be noted that this kind of coverage will not come as standard and you’ll need to talk to your provider to extend your policy. The generally applies whether you’re going to be living in the house or you’re looking for holiday let insurance. On the whole, holiday homes are seen as fairly high risk by insurers, mainly as you’re not going to be there for a lot of the year. Because of this, many providers will include exclusion causes in the small print, invalidating the cover under certain circumstances. Make sure to read your small print carefully and check for these exclusion policies some to look out for include theft not being paid out on unless signs of forced entry can be displayed, or not paying out for water damage when a holiday home is unoccupied for a number of days consecutively. In all, your contents insurance will cover everything in your home (and your holiday home), but in order to feel comfortable and fully covered you’ll need to always read the small print and check exactly what is covered, and under what circumstances. If you’re looking for overseas home insurance it may well be worth going with a UK provider, so you feel comfortable in knowing you’re covered.