In Part 4 – Guide to Holiday Home Insurance – Contents Insurance we discuss the contents of your holiday home. The very nature of a holiday home is that it is a `home from home’ and therefore let on a fully furnished basis. In the past it was not unusual for the value of a typical holiday home contents to be relatively meagre. Latterly as people’s expectations have risen, as has competition within the holiday home market, it is has become the norm rather than the exception that an owner spend tens of thousands of pounds furnishing their holiday home. LCD and Plasma TV screens, surround sound home entertainment systems, hot tubs and expensive garden furniture are becoming increasingly more common.
A holiday home insurance policy with contents cover on a new for old basis will provide you with the peace of mind that your property is protected. The sum insured should be adequate to cover the replacement value of the contents in total. It is advisable for owners to complete an inventory of contents together with photographic evidence and schedule of values in case of a total loss. A tip for photographing your audiovisual electrical equipment is to also take a shot of the serial number, which can aid identification and recovery in the event of theft.
Check out the following posts which expand on Boshers Guide to Holiday Home Insurance or visit our Holiday Home Insurance page.