Nate SpofforthJuly 27, 2010
The Summer holidays are upon us and it’s a time when many of you will be off to visit your holiday homes or managing hectic changeovers at your holiday rental.
Although it’s likely that holiday home insurance won’t be a foremost concern during this period, it’s essential that you are aware of some areas which may leave you at risk.
Our experience at Schofields is that unfortunately during the summer months, theft and burglaries increase at holiday homes – as both home owners and holiday makers arrive with an array of expensive gadgets, jewellery and money.
Although many of us have a perception that the idyllic rural locations where our holiday homes are located are virtually crime-free, this is a mistaken perception that may cost you dear if you don’t appreciate the reality.
In reality, some factors often make holiday homes particularly attractive to burglars and criminals:
- many second homes are located in relatively rural and isolated areas outside of villages and towns, especially those overseas – this isolation makes them attractive to thieves;
- some holiday properties may be equipped to a relatively high standard and contain expensive electrical equipment and furnishings;
- due to renters coming-and-going, it may be difficult for local people to identify when strangers are authorised to be around the property and when they’re not;
- by definition, a second home is going to be unoccupied more regularly than a main residence.
Don’t assume your holiday homes insurance covers theft
It’s essential that you read the small print and exclusions of any insurance policy you are going to purchase, but many people don’t. Consequently holiday
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