Home & Property
Holiday lets – your FAQs answered
To help you get to grips with the ins and outs of holiday home letting, we answer some of your most frequently asked questions so that you can make the most of your investment.
Public liability insurance for a holiday let
As the owner of a holiday let, it’s down to you to keep guests safe, but public liability insurance can help if something goes wrong and you’re held responsible. Here’s what it covers.
Do I need a holiday letting agent?
Managing a holiday rental can be time consuming. We explore why you might consider using a letting agent and if you do, what the pros and cons are compared to managing your holiday let yourself.
Empty house insurance cost
Unoccupied house insurance is a specialist policy covering empty homes for longer than standard home insurance allows. We look at how much empty house insurance costs and ask if you really do need cover in the first place.
Understanding property and insurance after the owner's death
If you’re responsible for a property after the death of a relative or close friend, you’re probably wondering how best to insure the property while you apply for the grant of probate, so we’ve created a handy guide with all the information you need.
Essential tips for maintaining and securing your empty property
Homes can remain unoccupied for various reasons, such as when between owners, undergoing renovations, taking extended holidays, or dealing with illnesses. Regardless of the cause, it's crucial to prepare your property for its vacant duration.
Policy excess explained: a comprehensive guide for home and other insurance excesses
Almost all insurance policies, whether it’s for your home, car, or business, come with an excess that you’ll need to pay. Here, we explain what an insurance excess is, how it works, and how it affects what you pay overall.
Are you underinsured?
Inflation. Rising material costs. A shortage of labour. In many cases, rebuilding your home will cost a lot more than its market value. We help you check whether you’re underinsured, and what you can do to make sure your home insurance is adequate.
Is rising damp covered by buildings insurance?
Rising damp can be a serious problem, especially in older homes, and if left untreated can lead to health issues and devalue your property, so check out our guide, so you know what to look for and what to do about it.
What is insurance excess cover?
Excess protection insurance helps you recover the excess you’ve paid after making a claim. We explain how it works, the type of policies it usually applies to, and how it could save you money in the long run.
The insurance claims process explained
Whether you’re claiming for your home, car, or business, we take a look at the general claims process so that you can feel prepared should the need arise.
A property owners' guide to subsidence
Subsidence happens when the land beneath a property starts to sink but it can be hard to spot and have a big impact on your home insurance premiums. To help you identify and deal with the problem, here’s our guide to subsidence.