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Holiday homes Property insurance

Holiday Property Insurance (in English) for the UK and Overseas -

Owning a holiday home is the opportunity to have somewhere to regularly visit. A home by the sea in the mountains or city centre. A base to go and play golf in the sun or sail on azure blue skies - skiing throughout the winter or walking each morning to that distinctive Mediterranean aroma of pine and bougainvillea lazing around the pool or sitting by the river watching time go by.

Click on a logo/link below for more information from the individual provider

 

Intasure UK Overseas, Second Homes and Main residence Holiday Property

Andrew Copeland UK Overseas and Main Residence Holiday Homes

Rentguard UK Holiday Home Insurance

 

Intasure Home insurance for your main residence in the UK


Property Insurance in European Countries

Information below is provided in good faith, but as conditions are always changing, professional advice should be sort before arranging insurance.The information should not be relied on for accuracy.

Property Insurance in France

Property Insurance in Ireland

Property Insurance in Italy

Property Insurance in Belgium

Property Insurance in Germany

Property Insurance in Spain

Property Insurance in Portugal

Property Insurance in France - Home and Household property insurance in France

Called a contrat assurance multirisques habitation or assurance multirisques vie privée or la multirisque, or Property Insurance is Assurance de Biens

The insurance should cover the cost of repairs or rebuilding including permanent fixtures and fittings within the property, such as fitted kitchens and bathrooms due to damage caused by : natural disasters, floods, fire, storms, burst pipes, explosions, lightning and theft. It should also give you civil liability insurance (responsabilitée civile propriétaire).

When calculating the value of your home, you need to take into account the cost of rebuilding it and the sum insured should be sufficient to rebuild all buildings as well as all outdoor structures such as swimming pools, terracing or perimeter walls. The rebuild value should take into account also the as removal of debris, architectural and other professional services. This value (like in the UK) is often quite different to the market price of the property and the price of the land should be excluded. Insurers do not have to be based in France and as such an Insurance company broker based in the UK with a policy written in English can be beneficial. Click Here for further information.

Insurance Cover is Couverture d'Assurance

Building Insurance is Assurance pour Batir

Written notice to cancel a French insurance policy

If you use a French insurance company under the Codes des Assurances, it is necessary to give a minimum of 2 months written notice prior to the Annual Renewal date to avoid having to automatically continue with the insurance for the following year. You will not normally have this rule if you use a company that is based in the UK for example, but it is important to check this fact out, particularly if you are looking for an alternative provider.

Holiday Homes

The owner of a self catering holiday property that is rented out as holiday accommodation must make sure that the insurers are aware it is let for holidays. You should check that there is adequate public liability cover as a landlord.

If the property is a holiday home insurers must be advised of the periods of non-occupancy. If for example you need to keep the electricity on during periods of non occupancy for heating, alarms, garden irrigation etc, you should let the insurance provider know.

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Property Insurance in Ireland

Section Under Construction

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Property Insurance in Italy

Section Under Construction

Property Insurance ( Assucurazione dei Beni)

Insurance Cover (Copertura du assicurazione)

Building Insurance # (Assicurazione per Costruire )

# coverage for the act of building a house/apartment/factory, etc

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Property Insurance in Belgium

Section Under Construction

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Property Insurance in Germany

Section Under Construction

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Property Insurance in Spain - Home and Household property Insurance in Spain

Building and contents insurance (continente y contenido) . Contents insurance (contenido)

Insurance Policy options you should check include the following:

  • Accidental damage cover and "All Risks" outside the home
  • Increased limits for liability cover
  • Liability cover for dangerous dogs, cover for non-dangerous dogs is normally automatically included
  • Property Owners Liability (landlords) for rented accommodation q Standard comprehensive policies with public liability insurance (also known as liability to third parties)

Household insurance (seguro del hogar) in Spain generally includes the building, its contents and third party liability. Insurers do not have to be based in Spain and as such an Insurance company broker based in the UK with a policy written in English can be beneficial. Click Here for further information. Some of the Spanish based companies also offer the policies written in English. Insurance policies often appear confusing in any language, so unless you are fluent in Spanish it might well be beneficial using a provider based in the UK.

Contents Insurance (Contenido)

Home insurance policies in Spain are generally on a "new for old" basis (this means that in the event of a claim insurers will settle the claim based on the value of a similar but new item to the one lost or damaged). It is therefore important that the contents sum insured reflects the replacement value.

In the UK bathroom and kitchen fitments are usually covered under the buildings section of a policy. In Spain this is not always the case and the value often has to be included under the contents sum insured. This is worthwhile checking out when you take out your insurance cover.

Building's Insurance (Continente)

As in most countries, the building sum insured should represent the rebuilding value for the property and not the market value. Rebuilding costs have risen dramatically in Spain over recent years; it is important that the rebuilding sum insured is realistic or any claim may be reduced for underinsurance. As a rough guide the rebuilding sum insured should be about €1,500 per square metre of a constructed property. (This approximate amount being quoted in 2009, but you should not rely on this figure)

Another consideration when arranging your insurance, is that quite often with an insurance company based in Britain, your insurance value e.g. cost of rebuilding or contents would be in £ sterling. In the last few years when the £ has got weaker and the € euro stronger it has meant that you might not be adequately insured.

Inflation is accommodated by index linking which covers standard inflationary increases. This is reviewed automatically annually by insurers. Market forces can cause variations locally and the insured should request advice if unsure that the sum insured is adequate. Generally, standard policies do not have any excess although a reduction in the premium can be obtained if an excess is taken. If you are using a UK provider, you might find there are excesses and again check this out before purchasing.

If the owner has a mortgage on the property, the lender will usually insist on building insurance with a clause on the policy noting their interest.

Holiday Homes

The owner of a self catering holiday property that is rented out as holiday accommodation must make sure that the insurers are aware it is let for holidays. You should check that there is adequate public liability cover as a landlord. Liability limits of Spanish insurers tend to be fairly low, although some Spanish insurers do offer higher limits and this should be checked with the adviser or insurer.

If the property is a holiday home insurers must be advised of the periods of non-occupancy. If for example you need to keep the electricity on during periods of non occupancy for heating, alarms, garden irrigation etc, you should let the insurance provider know.

People who live in a domaine, should be aware that their community policy may not provide cover in the event of damage to the buildings. Advice on this point should be sought from an insurance adviser.

Making a property insurance Claim

Claims must be reported to the insurers or insurance adviser as soon as possible. Policies usually have a time limit for claims of seven days (check on the policy). Contact the adviser or insurance provider by telephone, fax, letter or email. Although it is written in the policy that claims must be reported within seven days, if there are circumstances, which prevent the client from doing this, then insurers will normally take this into account when dealing with the claim.

In the case of a robbery, malicious damage or arson a police report (denuncia) must be obtained and sent to the insurer with the claim.

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Property Insurance in Portugal

Section Under Construction

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See also

Holiday Home Insurance Information

Why do I need holiday home insurance?

Own a property overseas? Is the insurance policy written in English?

Insurance advice following storms in France this week - Blog - March 2nd 2010

Is your Holiday Home Insurance Policy Written in a Language that you can Understand?

Security Tips for Property Owners


WARNING - RENTAL SCAMS IN HOLIDAY LETS CLICK HERE FOR DETAILS YOU COULD BE NEXT!

Advertise your  Holiday Home Property at jmlvillas.com - CLICK HERE for Details

the low cost villa advertising service


 

Property Insurance

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