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Holiday Cottage Insurance

What is classed as a cottage?

A cottage is a small house that can accommodate various architectural styles and house designs. The specific definition of a cottage may vary across cultures, but typically, it refers to a compact and charming home, often located in the peaceful countryside. Cottages can commonly be used as summer homes, or holiday retreats.

Why do you need insurance for your Holiday Cottage?

Here at Wye Insurance, we can offer tailored insurance policies to provide cover for holiday cottage owners who choose to let out their properties. However, if your cottage is a thatched roof property, you may benefit from obtaining a Non-standard Home Insurance policy. Unlike a regular Home Insurance Policy, Holiday Home Insurance or Holiday Cottage Insurance can help to cover you even when the property is unoccupied. The length of cover depends on the policy taken out, but could be between 30-60 days. Due to extended periods of vacancy, issues like water leaks, loose tiles, or electrical faults at the property may remain undetected, potentially intensifying the resulting damage. Additionally, when you have guests staying at the property, there is an increased risk of theft or damage to your home contents, whether it be accidental or intentional, and having the right insurance cover in place can help to protect you from possible financial setbacks.

 What Cover do you need?

Having both Buildings and Contents Insurance can play a vital role in the protection of your finances and your property. Buildings Insurance can help to offer protection for the structure of your holiday cottage and aims to provide cover for repairs in the case of damage resulting from fire, storms, flooding, vandalism, or other insured events. Contents Insurance could cover the possessions inside your holiday home, including the furniture you own, carpets and any personal property and possessions that you may keep inside the property. If your property includes outbuildings such as detached garages, greenhouses, sheds, and summerhouses, having additional coverage can ensure that the rebuild and repair costs of these structures are also covered.