It is really important that your holiday home is covered during the time that it is left unoccupied. The same applies to those who own a second home, be it situated in the UK or abroad. A major reason for this is that vacant properties have a far greater chance of being burglarized than those that are consistently occupied. In general, terms, if you leave your home vacant for 30 days or more at a time, it is considered to be at a higher risk.
It is also important to get specialist holiday home insurance on your second home due to the heightened risk of damage that could be gone unnoticed. If your holiday home is unoccupied for a significant amount of time the property is not constantly monitored in the same way that a primary home is. This means that any damage that occurs to the property may get worse due to being left unresolved for some time. Your insurance policy will need to cover the risk of this occurrence.
If your holiday home is rented to holidaymakers throughout the year, you must ensure that it is safe to reside in and adequately insured in case of any damage that may occur when a customer or tenant is staying there.