More people than ever before own holiday homes both here in the UK and abroad. Most people use a holiday home for their own enjoyment or let it out either on a commercial basis or to friends and family.

Some UK insurers and brokers offer insurance products designed to meet the needs of this growing sector of the market, which, takes the hassle out of dealing with foreign insurance companies if the holiday home is situated abroad. Depending on the insurer concerned the advantages of buying a UK holiday homes insurance policy could include an English written policy and emergency helpline, British based claims service, automatic payment of any country specific insurance taxes, and UK payment of premiums.

Typical products which maybe offered subject to eligibility include buildings or contents insurance, or a combination of the two. The benefits associated with such a policy may include emergency travel to visit your holiday home in the event that the property is damaged during freak weather conditions, temporary accommodation cover if the property is uninhabitable, loss of rent, owners legal liability protection, and optional accidental damage cover.

Holiday home owners wishing to use their properties for renting should consider insurance policies which also cover lending or letting to either friends or family, and tenants liability insurance. Before deciding to use your holiday home for letting, consider checking with the insurance company first as there could be conditions attached such as the length of time the property can be let for and any exclusions that may apply.