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Holiday Home Insurance Facts and Offers.
Second home insurance is a specialised sector and may not as straight forward as buying insurance for your primary residence. When buying abroad the cover offered may not be suitable due to the special insurance requirements needed for your holiday or second home.
The inherent risks of owning a holiday or second home in the UK or abroad are substantially greater than your main residence, there is a real need for an insurance policy written in plain English, paying particular attention to the special requirements for holiday or second homes and providing a wide band of cover. Holiday home insurance needs to be designed to precisely match that need.
The policy ought to include buildings and contents cover which is flexible so that owners do not end up paying for what they do not need - not every property has a swimming pool. Certain features are considered to be of vital importance, and therefore cover for loss of use, legal liability for domestic staff, public liability and accidental damage to domestic supplies should be included as standard. A further addition that ensures that all local taxes on overseas properties are included within the premium.
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The inherent risks of owning a holiday or second home in the UK or abroad are substantially greater than your main residence, there is a real need for an insurance policy written in plain English, paying particular attention to the special requirements for holiday or second homes and providing a wide band of cover. Holiday home insurance needs to be designed to precisely match that need.
The policy ought to include buildings and contents cover which is flexible so that owners do not end up paying for what they do not need - not every property has a swimming pool. Certain features are considered to be of vital importance, and therefore cover for loss of use, legal liability for domestic staff, public liability and accidental damage to domestic supplies should be included as standard. A further addition that ensures that all local taxes on overseas properties are included within the premium.
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