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Article by Sean Horton
Buying a holiday home has never been easier. Today, you can hop on the Internet and find the home of your dreams without even leaving the comfort of your living room. Even better still, you can then use a search and compare website on the Internet to find you the best possible deal for a second home mortgage. There is nothing to it with very little time and effort to put in unless you wish to. However, you need to make a few decisions that are associated with buying a holiday home before you can put in an offer and get a mortgage and one of those is holiday home insurance.
Holiday home insurance is different to both traditional home insurance and buy-to-let insurance, so don’t make the mistake and think that you can cut costs and corners by getting the wrong type. A specialist broker will be able to help you find the right type of holiday home insurance.
Other considerations when buying a holiday home include the following: Where is the first place that comes to mind when you think of buying a holiday home? Although gut instincts are not always correct in terms of buying a house, there must be reasons behind considering buying a holiday home in a certain area. When you have the reasons why you would want to live in a certain are then you can begin to build upon that.
You should consider both popular locations and other locations that resemble them because individuals buy homes in certain areas for a reason. Crime rate, natural environmental hazards, proximity to the beach, proximity to shops and climate are all factors that should be considered when buying a holiday home, but the list is not limited to them. For an idea of where Britons choose to look into when buying a holiday home, the facts and figures are worthy of consideration.
Approximately 30% of all holiday homes are in the UK, 16% are in Spain and 7% in France, with the remaining 47% being spread between countries like the USA, Italy, Australia, Ireland, Greece and other similar countries. After deciding upon the country, your choice of area will largely depend on what kind of place you would wish to live in – beach, town, city or quiet village?
You final decision when buying a holiday home should depend on what kind of home you would like to live in. Whether your choice is a bungalow, condo, apartment or cottage, you can find the perfect house for you and then get on with the easy part of buying a holiday home.
Then all you need is the right holiday home insurance.
About the Author
Sean Horton is a Director of Holiday Let Mortgages which offers UK residents the finance to buy a UK based holiday home. The site offers information about Holiday Home Insurance, and holiday home mortgages.
www.insuranceforholidayhomes.co.uk Numerous individuals own holiday homes they only occupy when on travel to their vacation destinations and this makes them live in constant fear that such property is prone to burglary or destruction while they’re away. Now the opportunity to acquire holiday home insurance, irrespective of whether the houses mostly located overseas are occupied or not, is available. Owners can enjoy total peace knowing that whatever happens to cherished acquisitions, somebody who will take care.
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Rural Insurer Boosts Somerset Team
Truro, Cornwall (PRWEB) May 29, 2010
Andy Grossey and Joff von Tyszka have recently joined the South West-based company and will look after Members across the county, boosting the insurer’s presence in Somerset.
Cornish Mutual, which has offices in Exeter and Truro, now has a team of four Insurance Inspectors in Somerset and is looking to increase its business, build its membership and raise more awareness of the company’s work there.
Andy (42) is based in Ilminster and looks after East Somerset including areas such as Yeovil, Somerton, Langport and Chard, as well as most of the A303 corridor. He also runs a mixed 80-acre farm with 2,500 pigs and around 30 pedigree Texel sheep.
Andy has worked in the farmers insurance sector in Somerset for more than 15 years and was previously linked with Cornish Mutual through his work as a loss adjuster handling agricultural claims. He has three young children (all young farmers) and enjoys showing his prize-winning sheep in his spare time.
Commenting on his role, Andy said, “Being a farmer gives me a real insight into the agricultural sector for my work with Cornish Mutual. As a result, I have a much better understanding of the needs of our Members. For me, the company is all about ‘service’ and that’s what sets Cornish Mutual apart. It has a great ethos of putting its Members first and the whole business is geared around them.”
He added: “Meeting and working with our Members face-to-face is absolutely the best part of the job, it’s definitely not nine-to-five and I’ll often help them in the evenings and out-of-hours. Many farmers are busy during the day, so they appreciate the contact when it suits them. I really enjoy meeting new people and I’m looking forward to developing those relationships.”
Joff von Tyszka (42) is based in Taunton and looks after West and South West Somerset taking in Taunton up to Minehead and down to Tiverton. Andy and Joff previously worked together before joining Cornish Mutual. Joff, who is married with two young sons, has worked in the agricultural and commercial insurance sector for 25 years.
Joff said: “I want to help contribute to Cornish Mutual becoming the local, rural insurer of choice and the first choice for people in Somerset. Having local Insurance Inspectors on the ground makes a real difference and I think that Members appreciate having someone locally they know they can contact and rely on at anytime.
“A good reputation is built on recommendation and word-of-mouth and I think that’s why Cornish Mutual is so successful. Getting good service is pretty rare these days and generally if you find good service, you tend to stick with it so I’m confident we’ll be able to grow further into Somerset.”
Alan Goddard, Managing Director for Cornish Mutual added: “We’re really pleased to welcome Andy and Joff to the team – they’ve both worked at a senior level within the farm insurance industry for many years and bring a wealth of experience. Our Members are central to everything we do and I’ve every confidence Andy and Joff will further strengthen our existing team of local Insurance Inspectors in Somerset.”
For further information, please contact:
Mark Worden | Cornish Mutual | 01872 277151
Notes for editors:
Founded by a group of Westcountry farmers in 1903, Cornish Mutual is the only general insurer based in the South West. Even today, the company is still owned by its Members, and remains at the heart of rural communities throughout Cornwall, Devon, Somerset and Dorset.
Although staying true to its origins in agriculture (around two thirds of Cornwall’s farmers are Members), Cornish Mutual now provides household, buy to let property insurance, commercial, events, holiday home insurance and farm insurance to Members of all descriptions, living or working throughout the South West countryside.
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