Swiss Chalet Insurance
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Compare Swiss chalet insurance
Comparing insurance quotes for Swiss chalet properties can help you find the right insurance for your holiday home. Owning a Swiss chalet comes with its own risks and problems, which you may need protection against.
Is it a legal requirement to insure my Swiss chalet?
While it is usually not a legal requirement to have your chalet insured, it can be very helpful. Swiss chalets can be expensive to repair in case of accidents or fires, and having the proper insurance helps to mitigate these problems.
Can I get normal home insurance for Swiss chalets?
Generally, no. Home insurance is intended for primary properties which are lived in continuously. If a property is going to be left empty for a period – generally 30 days or more – then you will need insurance that covers this.
How long can I leave my Swiss chalet empty?
This depends on your insurance policy. Some insurance providers won’t insure your Swiss chalet if it’s left unoccupied for more than 90 days at a time. Other insurers may have longer periods or no limitations at all. The best way to find out is via our comparison tool.
Do I need insurance if I rent out my Swiss chalet?
If you intend to rent out your chalet, holiday letting property insurance is worth considering. Liability insurance also protects against risk of renters getting hurt on your property. If you rent your Swiss chalet as a business and employ someone to help you manage it, you may also want to look at employer’s liability insurance.
Can I insure the contents of my Swiss chalet?
Yes, most insurers will let you add content insurance to your policy. This means that, if your personal belongings or furniture are damaged, you may be able to have them replaced.
Why is Swiss chalet insurance more expensive than home insurance?
Holiday home insurance is generally more expensive than ordinary home insurance because there are additional risks when a property is left unoccupied for lengths of time. Empty properties can be a more attractive target to burglars and vandals. It may also take longer for problems to be noticed: a leaky pipe may not be seen until it has caused major damage, making repairs pricier. Construction materials like wood can also be more expensive to insure. If you have a wooden chalet, take a look at log cabin insurance.
What does Swiss chalet insurance cover?
Standard Swiss chalet insurance protects your property against common damage. While the details often differ between policies, you could be covered for fire, water damage, storms, and vandalism. Contents cover is also very common. You can usually add extras, such as emergency home cover.