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Holiday home insurance – one of the decisions associated with buying a holiday home

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

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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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







Related Holiday Home Insurance Press Releases

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Insure Your Second Home with Holiday Home Insurance

Article by Henry Bell









Owning a holiday home is like a dream come true for many people in UK. It has been estimated that almost 500000 people in UK own a holiday home either in Spain, Turkey etc. Along with this excitement of owning a holiday home, you should also take proper measures to ensure its safety. These holiday homes are more prone to risks like burgling, liability etc. So, if you own or are planning to buy a holiday home abroad like Spain, France etc and even in UK, you should certainly purchase a holiday home insurance policy.

Most standard or normal policies do not cover holiday homes or second homes. For this you will need a holiday home insurance. Different types of cover that are included in holiday home insurance are:

*Home contents insurance: With this holiday home insurance cover, the insurance company will provide the costs of replacement or repairing of the contents of the holiday homes if they get damaged somehow or the other.

*Building insurance: With this cover the building structure of your holiday homes. It will also cover the trees, shrubs, and sheds etc. that are present within the compound of your holiday home.

*Liability cover: This type of cover in holiday home insurance policy is to cover the expenses of treatments of the domestic servants, cleaners etc if they get injured during their work in your holiday homes.

Though it is true that you can purchase holiday home insurance from the place where your holiday home is, it is a much better option to buy this insurance from UK. This is because of the use of different language in that place. This can be a deterrent to obtaining a perfect holiday home insurance policy. By purchasing a holiday home insurance plan from UK, you can overcome this language problem; also the entire document will be in English and all the claims will be handled in UK.

As it has been told earlier that holiday home insurance will not be covered under your normal policy, so to avail this insurance, you need to do a thorough and detailed study of all the companies that provide holiday home insurance. The internet is an easy way to get access to all these information. With all the companies having their own websites, you can now sit in your home or office and can do the searching and sometimes even the buying part. So go get a holiday home insurance now.



About the Author

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb.co.uk endeavors to find the best possible deals for its customers. To find holiday home insurance, travel insurance in UK, home Insurance in UK, van insurance, motorcycle insurance, holiday insurance visit http://www.insuranceb.co.uk










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Assetsure launches Holiday Home Insurance Scheme

Assetsure launches Holiday Home Insurance Scheme











London United Kingdom (PRWEB) May 3, 2007

Assetsure Limited, the United Kingdom Insurance Intermediary, has today launched a holiday home insurance for persons that own property in Spain, Portugal, Malta or Gibraltar. They hope to be able to extend the scheme shortly to cover other European countries. Holiday home ownership is on the increase particularly in Spain and assetsure.com has a policy that will cover property that is either rented out or occupied by expatriates.

A representative of Assetsure advised us, “Sourcing insurance for overseas property has always presented problems; most people prefer to have a policy that is written in their native tongue. All of our policies are written in plain English and all claims are handled by English speaking advisors.

“Our policy wording has been developed over many years and is in direct response to the needs of homeowners living abroad,our contract responds to these local needs by taking care of local covers and taxation issues as well as providing a wide range of insurance perils including liabilities.

“One of the key advantages of the Assetsure holiday home insurance policy is that it is able to cater for flats & apartments as well as whole buildings, we will be interested to hear from anyone that owns property abroad whether it is a single flat or a whole portfolio or any company that is interested in doing business with us in continental Europe.”

The representative went on to state that they were keen to develop links with the expatriate community and could offer a range of expatriate insurance policies such as Health Care and Travel that were especially designed for British Expats.

A visit to the Assetsure web site will show they are a little different from the usual insurance intermediary, instead of targeting the high volume insurance business such as motor and standard homeowners, they provide quotations for niche products and some of the insurances they are able to arrange are listed on the site although they were at great pains to point out that they are interested in quoting on any type of property business.

Quite a lot of thought and knowledge has been used in the design and build of the website, the content appears not to be your usual re-hashed text and the writers are providing useful & helpful articles that are mainly property biased. If you are finding it difficult to arrange property insurance or need general information about a property related topic, these people may be able to help you.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.