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Over 2.3 million people in England and Wales have a second home that they use to take regular holidays throughout the year. Holiday home insurance in Wales is aimed at individuals who own a property in the country that is left vacant for more than thirty days at a time – properties could be in locations such as Gwynedd and Pembrokeshire, for example. It differs from regular home insurance because of the amount of time that the property will sit empty during any given year. Wales is a popular place to purchase a holiday home, because of its beautiful countryside and vast expanses of open space.
Depending on budget and individual requirement, a Wales holiday home insurance policy could cover buildings cover, contents cover, or both. The building aspect of a holiday home insurance policy usually covers the structure of a property and tends to protect against such things as storm damage or fire. The contents cover aspect of a holiday home insurance Wales policy may usually cover the contents of a property: possessions such as electrical goods or jewellery in the case of theft or damage. For individuals looking for cheap coverage, they may find it more affordable to choose to cover the building but not the contents of their holiday home.
Budget generally plays an important role in choosing a holiday home insurance policy. Choosing to purchase a policy through a comparison website could make it easier to stick to a budget, as owners might compare between several different policies at the same time and choose the one that best suits their needs.
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Second home insurance may be useful to have because if a property is left vacant for extended periods of time then the likelihood of theft may increase and any damage caused to the property (such as storm damage, for example) tends to only worsen the longer it is left without repair.