What Is Holiday Home Insurance?
Holiday home insurance gives you the specialist protection that holiday properties need. Insuring a holiday home differs from protecting your main residence in a couple of important ways:
- It may be rented out
- It may be left empty for prolonged periods of time
That’s why you need a different form of insurance for holiday homes, and your local Coversure office can help you get this protection.
How to Save Money on Holiday Home Insurance Quotes
Whether you are looking for building insurance, contents insurance, or a combination of the two, there are ways of cutting the cost of high-quality cover. Some of the best ways include:
- Reduce the risks – simple things like installing window locks, putting deadlocks on doors, and ensuring trees are kept trimmed so limbs won’t crash into the house can help reduce your risks and, therefore, your premiums.
Also, make sure your property is as burglar-proof as possible. Security lights, keeping fences maintained, and locking outbuildings and sheds will all deter thieves and so reduce the chances of a burglary claim
- Consider a higher excess – if you have a good claims history, i.e., you have a history of not making claims, then a higher excess could be a good way for you to reduce your policy costs
- Build up your no-claims discount
- Shop around – spend some time comparing quotes and covers. You may be surprised by how much you could save. Better still, get someone to shop around for you – an independent insurance broker such as your local Coversure office will not only be able to do the shopping around for you, but they will have access to policies that aren’t available to the public, meaning they could save you time and money