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Second or holiday homes and home insurance
Holiday homes are attractive propositions, particularly for homeowners
desk-bound in the city. Having a place to escape to without holiday
crowds and expensive hotel rooms can seem like an ideal extra purchase.
However, when it comes to second homes insurance can be tricky, and
homeowners who are thinking about getting a second home should make
certain of their cover.
Holiday homes carry with them unique risks. If you plan to rent the
holiday house out, you should look for a policy that can protect your
income. You must make your insurer aware of the fact that the insurance
is for a second home, because the insurer can refuse to pay should
you not have disclosed this fact.
The following tips could help to keep your second home insurance down:
Try not to leave your second home unoccupied for long periods of
time. Some policies will remove cover for some events should you leave
your home unattended.
People who keep second homes for their own use pay lower insurance
premiums. Renting out a house brings with it many other insurance responsibilities
such as personal liabilities
Many policies will not cover the furniture and possessions stored in
a second home.
Frozen pipes can be a major concern in the winter months, and preventative
measures should be taken at the end of the summer.
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