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| Our Holiday House Insured with Intasure |
Many people own holiday homes, and many of these people are required to maintain holiday insurance coverage. Holiday homes require different types of property insurance than primary residences.
No matter where a holiday home is located, it needs to be covered and protected with holiday home insurance. Many people insure their holiday home by adding coverage onto their primary homeowner’s policy. However, if this is not possible, then a separate policy should be purchased.
There are different factors that affect how much the premiums for holiday home insurance policy are. One of these factors is how much the holiday home is used. When a holiday home is not used very much then there is a higher chance that something could go wrong; this is because there are no occupants to monitor the house and report any events that might cause damage to the home. Since there are many people that do not use their holiday home very often, they tend to not obtain full holiday home insurance coverage. Some holiday insurance policy providers will even write a comprehensive insurance policy on holiday homes; however, the premium to be paid is typically higher than those without comprehensive coverage.
There are many tips that holiday homeowners’ should remember so that they can trim their holiday home insurance premiums, but at the same time have enough sufficient holiday home coverage.
One tip is to always remember to have an alarm system installed within a holiday home. Most insurance providers will reduce a holiday homeowner’s premiums up to 20% if an alarm system is being used.
Another tip is purchasing a holiday home that resides within a gated community. A 10% reduction in insurance premiums can be reaped by those who have neighbors keeping a close eye one one’s home. Also for those people with holiday homes in rural areas, making sure the local fire department has access to bodies of water can mean a reduction of up to 25%; that’s ¼ a reduction, which is huge when paying monthly premiums!!
Many people who combine their holiday home insurance policies with their primary insurance policies can usually save 5%-10% on monthly premiums.
With all these ways to save on holiday home insurance premiums there is no reason that anyone should go without coverage. For a holiday insurance quote contact a holiday insurance policy provider today.
We have found one of the best holiday home insurance policy providers is Intasure.
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