While it is not a legal requirement, holiday home insurance can protect you against risks that regular residential insurance simply won’t. Additional protection provided by holiday home policies includes public liability, as well as emergency travel, loss of rent and alternative accommodation cover.
The level of cover you need depends on your circumstances. For instance, you will likely benefit from public liability insurance if you let out your holiday home in Scotland for extra income. Likewise, you can take advantage of enhanced contents coverage if you store valuables in your property. If you have any doubts about the
Regular home insurance may not be appropriate to cover a holiday property. While it includes buildings and contents insurance, standard policies could leave you exposed. One of the main differences is that holiday home insurance includes public liability protection, which is a key consideration if you accept guests.
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