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insure your home and holiday home

Why insure your home and holiday let together?

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insure your home and holiday home As specialists in holiday let insurance we advise thousands of holiday cottage owners across the United kingdom. Providing them with policies tailored to the unique needs of their holiday homes. We also offer many of them that same level of service when it comes to insuring their own home. Whether you live onsite or miles from your holiday let, there are benefits to having your insurance under one roof. So here are a few good reasons to insure your home and holiday let with one insurer.

Simplicity is bliss

Having a single provider brings with it simplicity. All of your policies can be brought in line with a single renewal date. Meaning both payments can be taken at the same time. This can bring peace of mind, remove uncertainty and reduce the level of admin you need to undertake in relation to insuring your home and holiday let.

A lack of grey areas

This simplicity extends to when you need to make a claim. If you live on the same site as your holiday cottage(s) there can sometimes be a degree of confusion as to who you need to contact. For example, if an accident were to occur between your house and your holiday home, where is the boundary drawn and which policy should you claim under?

Having it all under a single provider allows you the comfort of knowing who to contact, no matter what the circumstances or the query you may have.

What if you live onsite?

Holiday letting can take many forms, such as an annexe attached to your home, or a complex of holiday cottages in your grounds. If you live onsite it is almost always best for you to insure your home and holiday let property with the same insurer so there is no doubt who will deal with a claim when one arises.

What if you live miles away from your holiday cottage?

It’s not uncommon for holiday homeowners to live a considerable distance from their cottage.  In this case, having your home and holiday home insurance with a single provider can be particularly beneficial when you use the property for your own vacations. In this example you’ll always know that anything you take with you such as personal possessions, valuables and sports equipment including bikes can be covered without ambiguity.

Continuity of service

The good news is when you contact us you’re likely to speak to someone you’ve dealt with before. Our holiday homeowners are never passed from pillar to post; no matter what your question or which policy you’re wanting to talk to us about, you’ll speak to an experienced member of the Boshers team.

The benefits of specialism

We specialise in holiday home insurance and speak with cottage owners every day of the week. We bring our knowledge and experience to ensure that your home and holiday let both have the most suitable cover. Should the worse happen, we always aim to support you in getting back on your feet. Our understanding of your circumstances plays a big role in ensuring we’re able to achieve this. Speak with our team today. They’ll highlight other reasons to insure your home and holiday let together through Boshers.

Boshers offer specialist holiday home and property insurance to holiday cottage owners across the country. For more information on our policies have a look around Boshers website. For a quote or to ask any question please give our team a call on 01237 429444.

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holiday home insurance questions

6 of our most frequently asked holiday home insurance questions

holiday home insurance questionsWhether you’ve recently bought a holiday home or survived your 30th season, it’s equally important to have the right insurance. As holiday home insurance specialists we answer questions from cottage owners on a daily basis. We’ve pulled together six of the most frequently asked holiday home insurance questions to give you a quick insight into the cover you potentially need.

We’d like to use our cottage for our own holidays, and for friends and family.  Would this be covered under a holiday home insurance policy?

Your holiday home needs to be available to paying guests for the majority of time throughout the year (the amount of time may depend on your individual policy). What this means is that you, or your family and friends, will be fine to use your cottage as long as it remains available to paying guests for the required period in any given year.

If something goes wrong, does the Holiday Home Insurance policy cover loss of rental income?

Insurance is there to help you through tough times, and we know that if something were to happen to your holiday home you not only face the potential bill to fix the issue, but also the cost of the rental income you would have otherwise gained whilst you wait for it to be repaired.

For this reason, our own policy automatically covers cottage owners for up to two years’ loss of rental income up to a sum of £75,000 should your property become unavailable as the result of an insured event such as storm damage or fire. Does your holiday home have an annual gross rental income in excess of £37500 (£75000 over two years)? We can provide additional cover on request. We’re here to get you back on your feet and we feel this is a great part of the cover we’re able to offer cottage owners.

What happens if a guest accidentally breaks something, or even steals items from our cottage?

It’s an old cliché, but accidents do happen. If you have hundreds of guests enjoying your holiday home each year, there is a small chance that some items in your cottage may get damaged. The good news is that this would be covered under the accidental damage section of your policy, subject to an excess.

Cover for theft by guests is also automatically included, although we of course hope you won’t need it!

I employ a cleaner and a few others on a part time basis; would our holiday home insurance policy cover us for this?

If you employ staff, even if on a part time basis, it is a legal requirement to have Employers Liability insurance. This is covered under our own holiday home policy as standard. You will be issued a certificate upon taking your insurance out. Remember that you need to retain this with your records.

Do I have to regularly inspect the holiday home?

As part of our specialist insurance cover you will need to inspect the property on a regular basis. Regular inspections are also good practise from a customer service perspective. The policy includes the condition that:

  • whenever your holiday home is left unoccupied, you will arrange that the premises are inspected at least every 14 days.

This inspection can be carried out by you, or by an authorised person responsible to you. It ensures your cottage is kept in tip top condition for those happy guests.

My holiday let is an annexe of my main property, can I cover it?

You certainly can, as long as any adjoining door between your home and holiday letting annexe is kept locked. The holiday let insurance needs to be kept separate. In situations such as this we would also look to provide home insurance for your main residence.

Remember that this article only gives a brief indication of some of the cover involved in insuring your holiday home.  For further advice please contact us to ensure you have the cover your cottage really needs.

Boshers offer specialist holiday home insurance to owners across the UK. If you have any more holiday home insurance questions please give us a call on 01237 429444.

For further information on UK holiday home insurance visit the website page most relevant to you:

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Home with holiday let annexe

Holiday Let Insurance for your annexe

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Holiday Let Insurance for your annexe

In this post we explore the subject of holiday let insurance for your annexe. It is becoming more and more common in popular rural and coastal self-catering holiday areas for owners of larger properties and empty nester’s to sub-divide their homes and let an annexe to guests holidaying in the area. In doing so, due consideration should be paid to the relevant planning and building regulations as well as the laws applicable to you as a landlord. Letting your annexe to guests can be financially rewarding although as with running any business it does have it’s risks. For your peace of mind you’ll want appropriate holiday let insurance for your annexe.

Holiday Let Insurance for your annexe

By taking advice on holiday let insurance for your annexe from a qualified adviser such as those in the Boshers holiday home insurance team, you will end up with building and contents cover without compromise and tailored to your individual needs. For a home owner with a self-contained holiday letting annexe or self contained detached holiday cottage in the grounds Boshers would look to provide you with comprehensive home insurance cover to meet your personal needs and running alongside a holiday home insurance policy to cover the contents of your holiday let together with cover for your liabilities as a holiday let owner and protection for loss of rental income in the event that you were to suffer an insured peril. Placing insurance for both your home and holiday let with the same insurer will save potential conflicts in the event of a claim. Should your home and annexe have an interconnecting door, you will be required to ensure that the door is fitted with a 5 lever mortice deadlock and kept locked so that guests do not have access to your home. For advice on holiday let Insurance for your annexe call our friendly team of holiday home insurance advisers on 01237 429444.

Holiday home annexe owners will also find the links below of interest:

For Self-Catering holiday cottage owners in Scotland, the Scottish Government has produced the following:

You may also find the following posts for holiday home owners of interest:

Follow this link for posts similar to Holiday Let Insurance for your annexe other useful resources for holiday home owners

For further information on UK holiday home insurance visit the website page most relevant to you:

 

 

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