How To Get Holiday Home Insurance
For A Villa In Spain

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Having a villa in Spain is many people's idea of a dream vacation spot. If you are fortunate enough to be able to purchase one, you may wonder what kind of insurance is required. Insurance can differ in other countries, so here is the skinny on holiday home insurance Spanish style!

Having a holiday home insurance policy for your villa in Spain is a very wise business move. This will give you coverage in case of a disaster just like your homeowners policy does in your permanent residence. Many times you can get a holiday home insurance policy in the UK for your Spanish villa. The advantage of this is that it is usually written in English. There is no missing any important details in the translation. Many of these companies have representatives in other countries so that you do not need to do business over the phone. (Which is a relief if you onoly speak 'Span-Glish'!)

Having adequate holiday home insurance for your villa in Spain is especially important if you are planning to rent out your villa when you are not using it. This is a great way to maximize your investment. If you are planning to rent, make sure your policy is adequate to cover any potential losses. Keep in mind that if you constantly have people coming in and out of your villa there are bound to be some damages at some point. Some policies will help you to protect your investment income by covering rental fees that you have booked in advance if there is a fire or flood that renders your property uninhabitable.
If you only have your villa in Spain for family gatherings and vacations.

You can get away with less coverage. Beware of the fine print though, since some policies require your property not to stand empty for more than 30 days at a time. Other stipulations can include having someone check on the villa weekly, special locks to be installed, or the pipes drained when unoccupied. These things can be difficult to work out if you live far away, so be sure to read everything thoroughly.

Keep your deductible at the highest level you can afford. This will help keep your premium to a minimum. Pay for minor damages out of your own pocket, and save claims for the major issues. Consider having a separate contents policy to protect you in cases of theft or damage. You will need more coverage if you are renting your villa out than if it is just a family getaway. But, either way, a contents policy is a safe bet.

There are several companies who offer holiday home insurance for a villa in Spain, so do your homework. The rates can vary quite a bit from one company to another. You want to get the best deal possible so it is imperative to shop around and ask questions. If you keep these things in mind, you can get a great deal on holiday home insurance in Spain.

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