Second home or holiday home insurance can be expensive and difficult to obtain.

In part, this is can be due to homes being unoccupied for long periods, often during winter months when there is a risk of burst pipes. Claims from guests, staying in holiday homes is also becoming more common place.

Many insurance policies have special terms and conditions regarding holiday homes, such as heating the property during winter months or sometimes turning off the mains supplies so as to avoid claims such as for freezing pipes. Some insurers also require a recorded inspection of the property on a regular basis.

Second home owners or holiday home owners may only use their property occasionally; therefore it is essential that you purchase the correct type of holiday home insurance policy to ensure that the correct insurance cover is arranged.

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