Does holiday home insurance include public liability cover?
Not every home insurance provider will include public liability cover, so you must take care to read the small print when comparing policies. At HomeProtect, our holiday home insurance includes up to £5 million in public liability insurance.
Does HomeProtect holiday home insurance include caravans?
No, HomeProtect does not cover caravans. Our holiday home insurance policy is only valid for buildings with fixed foundations. This would typically cover the walls, roofs, drives, patios, fences, outbuildings and permanent fixtures and fittings of the property, however you should refer to the Policy Booklet for a complete list of what’s covered before making a purchase if you are unsure.
Does the policy include legal expenses?
You can add full legal expenses to your holiday home insurance policy by selecting this additional cover option at the time of taking out a quote. This can cover property damage, contract disputes and gives access to a 24/7 legal helpline. For more information please refer to the policy booklet.
Is my holiday home covered for burglary if I've left a key under the doormat?
HomeProtect does not provide cover for theft unless there are signs of damage caused by the thief of thieves to get into the home, or if violence or deception was used to gain entry.
It is vital that you take a responsible approach to key management. Your average burglar will look for the easiest way to gain entry to your home, so leaving keys in hiding places is inadvisable (as they are likely to be a burglar's first port of call). Under mats, in plant pots, hanging baskets or fake stones are not good choices for hiding places. Using a key safe is a far better idea, as is leaving spare keys with a reputable local key holding service. When inside the house, never leave your keys in a spot that is visible or accessible from outside (and ask any guests to do the same).
How can I trust strangers to be guests in my holiday home?
There’s no denying that there is an element of risk involved in renting your property to unsupervised strangers. You would hope that they are all responsible adults, but you can reduce the risk involved by having insurance in place. HomeProtect tailors to second homes and holiday homes. We can protect your property with buildings and contents insurance for a fair premium and the claims hotline is a 24/7 service should you need to get in touch.