What is holiday home insurance?
Your summer or holiday home is the place to be for long weekends and relaxing holidays – a gorgeous oasis away from the stresses and strains of everyday life.
Just as you insure your all-year home, it's equally important to insure your holiday home. It gives you extra peace of mind, especially when the house is empty, and you can't control what happens.What is holiday home insurance?
A holiday home insurance policy always contains cover for fire. The insurance covers damages after, e.g. fire, soot and electrical installations. The mortgage provider often requires fire coverage if there is a home mortgage. It is up to you if you want to supplement with optional coverings. It depends on what needs you have.If you buy holiday home insurance through IDA Forsikring, you can choose between the following coverings:Areas where the insurance does not cover
Damage that regular maintenance could prevent is not covered. The same applies to wear and tear, which can rarely be avoided as time passes and the construction grows older. Depending on where the holiday home is located, weather conditions and nature also have significant effects. For example, houses near the beach tend to wear faster because of the weather conditions. Property damage that you cannot prevent
Even if you look after your holiday home and do everything you can to prevent damage, there are still conditions beyond your control. For example, preventing damage to pipes and service lines is impossible. Such damage occurs because the pipes are gradually worn down from the inside – a process that even the most careful holiday homeowner won't prevent. Another example is mould and insect damage. In the worst case, this can damage any wooden construction from the inside. Such damage is impossible to prevent and foresee. That's why it's worth considering whether to supplement your holiday home insurance with additional cover against mould, insect and pipe damage.
What is holiday home insurance?
A holiday home insurance policy always contains cover for fire. The insurance covers damages after, e.g. fire, soot and electrical installations. The mortgage provider often requires fire coverage if there is a home mortgage. It is up to you if you want to supplement with optional coverings. It depends on what needs you have.If you buy holiday home insurance through IDA Forsikring, you can choose between the following coverings:- Basic coverage
- Storm damage etc.
- Other sudden damage
- Glass and sanitary ware
- Homeowners' liability
- Legal assistance
- Electric lines damaged
- Hidden pipes and cable damage
- Insects and rot fungus
Rot damage - Home contents for a holiday home
- Electrical devices
Areas where the insurance does not cover
Damage that regular maintenance could prevent is not covered. The same applies to wear and tear, which can rarely be avoided as time passes and the construction grows older. Depending on where the holiday home is located, weather conditions and nature also have significant effects. For example, houses near the beach tend to wear faster because of the weather conditions. Property damage that you cannot prevent
Even if you look after your holiday home and do everything you can to prevent damage, there are still conditions beyond your control. For example, preventing damage to pipes and service lines is impossible. Such damage occurs because the pipes are gradually worn down from the inside – a process that even the most careful holiday homeowner won't prevent. Another example is mould and insect damage. In the worst case, this can damage any wooden construction from the inside. Such damage is impossible to prevent and foresee. That's why it's worth considering whether to supplement your holiday home insurance with additional cover against mould, insect and pipe damage.- Holiday home insurance applies from the day you take over the house.
- If you get a mortgage through a credit provider, it is a requirement that the property is at least fire insured.
- Find out if your holiday home is insurable on the terms and covers you want.
- If you buy a property with your partner, you should speak to a solicitor beforehand.
- Remember to check your holiday home's condition report and decide whether you need indemnity insurance covering any hidden damages.
Overview
Holiday Home Insurance
Learn about the essential coverage aspects of IDA Forsikring's Holiday Home Insurance through an overview.
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