Useful Insurance Tips For Overseas Holiday Home Owners
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William Scott
May 4, 2013, 5:30:04 AM5/4/13
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Article Title: Useful Insurance Tips For Overseas Holiday Home Owners
Author: William Scott
Word Count: 541
Article URL: http://www.isnare.com/?aid=219809&ca=Home+Management
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=219809
Easy Publish Tool: http://www.isnare.com/html.php?aid=219809
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If you have recently purchased a home overseas or are not happy with your present insurance company, you may need a few tips on what to seek for your insurance needs. Since it is an overseas holiday home and you do not have easy access to the home to keep a check on it, it is imperative that you have an insurance company to cover anything that might happen.
Some overseas property owners have problems with the policy being written in a foreign language. It may not include special circumstances that you want covered. Do not purchase insurance without a translator that can make sure everything you want in your policy is indeed there. This could cause a lot of problems if you have to file a claim and find out that you are not covered for the problem.
Holiday home owners have different needs than a regular home owner. In the event of a break in or storm damage, you do not want your claim to be denied due to the home being unoccupied for several months. You need an insurance company that does not limit coverage if your home is not occupied for a period of time.
If you let guests stay at your home for the holidays, you will need insurance that covers your home in the event of an accident or damage caused by guests. As long as your home is occupied sometime during the year, it is considered insurable. The insurance companies will not cover a home that has no furniture and is being offered for sale.
Winterizing your home is one of the services you want to have considered when you choose an insurance company. Some companies charge extra for this. However there are many that do not charge a fee or restrict coverage for security or inspection purposes.
Should you employ any staff to clean the home in your absence, there is a coverage available for accidental injury to them and will guard you against legal recourse if something would happen.
A good policy will include coverage for pre-booked income and will reimburse you should you have to seek accommodations elsewhere. Find an insurer who will cover your swimming pool and fencing if it becomes damaged through natural means or from vandalism.
Insurance for the contents of your home should also be included when the policy is put together. If you let your home out at any time and tenants damage your furniture, flooring, appliances, or any outside areas this should be insured. You need to make absolutely sure this is covered in your policy.
Sit down, make a list of all the things you want insured in your overseas holiday home and take this list when you go shopping for insurance. It will be a handy reference in case something should slip your mind. If one insurance company does not want to consider your list of things to be insured, go to another insurer until you find one that you feel confident in. After all, this is your home away from home and you want your home to be in top shape and enjoyable for your retreat.
About The Author: William Scott contributes holiday insurance advice to http://HolidayInsuranceTips.com, a site dedicated to helping people learn about holiday home contents insurance.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=219809
*********************** ARTICLE END ***********************
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Message delivered directly to members of the group:
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*****************************************************************
Please consider this free-reprint article written by:
William Scott
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=219809
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=219809
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Useful Insurance Tips For Overseas Holiday Home Owners
Author: William Scott
Word Count: 541
Article URL: http://www.isnare.com/?aid=219809&ca=Home+Management
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=219809
Easy Publish Tool: http://www.isnare.com/html.php?aid=219809
*********************** ARTICLE START ***********************
If you have recently purchased a home overseas or are not happy with your present insurance company, you may need a few tips on what to seek for your insurance needs. Since it is an overseas holiday home and you do not have easy access to the home to keep a check on it, it is imperative that you have an insurance company to cover anything that might happen.
Some overseas property owners have problems with the policy being written in a foreign language. It may not include special circumstances that you want covered. Do not purchase insurance without a translator that can make sure everything you want in your policy is indeed there. This could cause a lot of problems if you have to file a claim and find out that you are not covered for the problem.
Holiday home owners have different needs than a regular home owner. In the event of a break in or storm damage, you do not want your claim to be denied due to the home being unoccupied for several months. You need an insurance company that does not limit coverage if your home is not occupied for a period of time.
If you let guests stay at your home for the holidays, you will need insurance that covers your home in the event of an accident or damage caused by guests. As long as your home is occupied sometime during the year, it is considered insurable. The insurance companies will not cover a home that has no furniture and is being offered for sale.
Winterizing your home is one of the services you want to have considered when you choose an insurance company. Some companies charge extra for this. However there are many that do not charge a fee or restrict coverage for security or inspection purposes.
Should you employ any staff to clean the home in your absence, there is a coverage available for accidental injury to them and will guard you against legal recourse if something would happen.
A good policy will include coverage for pre-booked income and will reimburse you should you have to seek accommodations elsewhere. Find an insurer who will cover your swimming pool and fencing if it becomes damaged through natural means or from vandalism.
Insurance for the contents of your home should also be included when the policy is put together. If you let your home out at any time and tenants damage your furniture, flooring, appliances, or any outside areas this should be insured. You need to make absolutely sure this is covered in your policy.
Sit down, make a list of all the things you want insured in your overseas holiday home and take this list when you go shopping for insurance. It will be a handy reference in case something should slip your mind. If one insurance company does not want to consider your list of things to be insured, go to another insurer until you find one that you feel confident in. After all, this is your home away from home and you want your home to be in top shape and enjoyable for your retreat.
About The Author: William Scott contributes holiday insurance advice to http://HolidayInsuranceTips.com, a site dedicated to helping people learn about holiday home contents insurance.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=219809
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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