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Take a Holiday from Insurance Worries

Our Private Client Team are seeing an increase in enquiries about how best to protect holiday homes which are left empty or occupied by guests for much of the year.

We advise our private clients who own holiday homes that it’s essential to get an insurance package that suits them and their property, taking the stress out of the finer details to allow them to sit back and enjoy their holiday home with complete peace of mind.

Sharron Torr, Private Client Supervisor at Russell Scanlan, said: “Over recent years in the lead up to summer and throughout the summer break, we’ve seen an increase in the number of clients coming to us for advice about how best to protect their holiday home.

“As with regular home insurance, holiday homes need to be protected against loss or damage and specialist cover is essential if your property is unoccupied for long periods at a time. For example, a water leak could go unnoticed and unattended for weeks or even months - and an insurance headache is the last thing you want to be greeted with when you arrive for a relaxing break.

“Standard home policies only allow for properties to be empty for up to 30 days, so finding cover that protects whilst your holiday home is unoccupied and also occupied or let, will provide flexibility on how you use it throughout the year.”

If you do let out your property, whether it’s in the UK or abroad, other factors need taking into consideration. The correct insurance can help deal with issues such as loss of rent due to damage or a claim made by a guest. Luxury features such as swimming pools and wood burning fires will also need to be taken into account when we look at creating your bespoke policy.

Sharron added: “Every abode is unique and the same should be said for the way it is protected. If you would like to reassess your holiday home cover in time for the holidays or are thinking of investing in one for next season, get in touch with our expert Private Client team for an informal chat about your options.”