Do you need contents insurance for your holiday home?

In this article we’ll be looking at some of the reasons why you may consider adding contents insurance to your holiday home insurance package.

While buildings insurance may cover you for common damage such as storms, flooding, fire or theft, have you ever thought about protecting the things that make your house a home? Valuables such as artworks or carefully selected furniture or even personal possessions are not commonly included in buildings insurance cover, yet many holiday homeowners underestimate just how important contents insurance can be..

Traditionally, things that you may have assumed come under buildings and outbuildings cover, such as swimming pools and hot tubs, are usually classed as possessions, meaning you’ll likely need contents insurance to help protect them.

Don’t under insure

Even if you do have contents insurance, some people fail to correctly estimate the value of their contents, ending up falling short. This means that if they do need to make a claim, they may miss out on the true value of their property.

At Intasure, when you insure your holiday home building we can offer contents insurance for your possessions both while in the property and off site as well as costs for cleaning and repairing damaged property. We will also provide cover for your garden furniture and even the contents of your freezer. If the insured damage to your holiday home renders it uninhabitable then we can provide cover for alternative accommodation costs whilst yours is made liveable again. Plus, we understand how stressful it can be for something to happen to your holiday home when you are out of the country. That’s why should you be away when an insured incident occurs, our contents insurance covers up to £300 of the cost of a return flight for up to two people as well as money towards temporary accommodation if required to resolve an issue in person*.

*Policy limits and exclusions may apply, please see policy wording for full terms and conditions.

**The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Ref: FP988-2020