Compare Holiday Home Insurance Ireland
Have you thought about what would happen if your holiday home were damaged or destroyed, say by a fire? If rebuilding it would be a challenge, even if you own the property outright, it’s a smart idea to have it insured, just like you would with your main home.
Since holiday homes are often left unoccupied for long stretches, they face unique risks like burst pipes, water leaks, or even break-ins. That’s why having holiday home insurance is so important!
Keep in mind, though, that additional conditions or restrictions may apply for certain types of coverage, such as water damage, theft, vandalism, or storm-related issues. These measures are usually in place because unoccupied homes are more vulnerable to such incidents. Protecting your holiday home can give you peace of mind so you can truly relax and enjoy it.
What Does Holiday Home Insurance Cover?
Insuring your holiday home works a bit differently than insuring your primary residence. That’s because standard buildings and contents insurance policies usually only stay valid if the property is empty for no more than 30 days at a time. If you plan to leave your holiday home unoccupied for longer periods, you’ll need a specialized policy designed for this situation.
These policies might cost a bit more than standard home insurance, as they account for the added risks of leaving a property unoccupied for extended periods of time. But don’t worry. We’re here to help you find the perfect policy that balances coverage and cost.
Buildings insurance for a holiday home generally works the same way as it does for your primary home. It protects against damage caused by events like fire, flooding, or theft. However, the details of what’s covered can vary between policies, so it’s always a good idea to read the fine print carefully. You might also want to think about adding contents insurance. It’s easy to underestimate how much it would cost to replace your belongings if they were stolen or damaged.
We’re here to make the process simple and stress-free so that you can enjoy your holiday home with peace of mind. Compare online home insurance quotes or phone us on 042 935 9090 and we will be happy to help!