Choosing your holiday home insurance provider

For park home owners with a second home or holiday home, choosing your holiday home insurance policy can be made simple. It needn’t be complicated if you have in mind the questions you need to ask.

  1. What is a holiday home?

First, you will need to make sure you are shopping for the right category of insurance cover. A holiday home is a second home used for recreational purposes and is separate from your primary residence. If this is not the case, then you may need to look for home insurance instead. You may also want to remember that a home on a holiday park, might not be licensed for all year-round residence.

  1. What is good value for money, when insuring your holiday home?

Of course, everybody wants to get good cover at a competitive rate. Keeping your premiums low is something you may want to balance against the level of service and both the flexibility and the comprehensiveness of your cover. You may want to check what is included as standard and what can be added as an optional extra on to your chosen policy.

  1. How are you going to use your holiday home?

If you know exactly how you plan to use your holiday home, you will be better placed to find the precise level of cover that you need and the right optional benefits. To this end, a company which you can contact easily and will help guide you through this process, particularly if you are unsure, can prove invaluable.

  1. Are you going to let your holiday home? 

If you are planning on hosting paying guests, you will need to check that your insurance policy covers you for this. At Park Home Assist, our holiday home insurance offers cover such as accidental damage and malicious damage when Let and theft by tenants. You may also need public liability insurance up to a high level, especially if you have people like cleaners working at your home to help with letting.

  1. Does the location of your holiday home matter? 

You may want to check whether the location of your holiday home is going to affect your premiums. If you are in a high flood risk area, you may want to ask if your insurer is part of the Flood Re scheme.

  1. Are they specialists in holiday home insurance? 

Insuring holiday homes is a specialist area, as there are issues specific to this type of home that need to be considered by both you and your insurer. A team you can easily communicate with, who have the knowledge of holiday home cover, can prove crucial for you to get the right cover.

  1. How much experience does your insurer have? 

As with any service, experience can go a long way in smoothing out the problems which inevitably arise along the way. At Park Home Assist, we have 19 years of experience in the leisure insurance industry. This means that we can provide you with the cover you need for your circumstances. It also means should you need to make a claim, you will deal with our highly trained, award-winning claims team.

  1. Tailored holiday home insurance policy?

You may want to look closely at what counts as standard and what is available as an optional cover. Lots of choice, while a good thing, can be daunting when it comes to deciding what exactly you need. A good customer care team, prepared to take you through the options and discover your precise circumstances, can be a real help to guide you through the process of choosing your holiday home insurance.

  1. Who underwrites your policy?

It may be a good idea to check who is behind your insurance policy before you commit. An insurer underwritten by Lloyds is a good start. This means that your insurer is much more likely to weather the storms of the financial world and still be there when you need them.

  1. Honesty is the best policy.

To avoid any complications or problems if you do find that you need to make a claim, make every effort to ensure the information you give to your insurer, is as accurate as possible and keep your insurer up to date with any changes which may affect your policy. This way, you will also have a good chance of getting exactly the cover you need.

For a reminder of what comes as standard and your options, go to our Park Home Assist holiday home insurance page

If you have any questions about holiday home insurance, contact our multi-award-winning team here at Park Home Assist on: 01604 946 796

This is a marketing article from multi-award-winning Park Home Assist.

Please note that all insurance cover is subject to acceptance of terms and conditions.

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Published – 02/02/24