When we go on a holiday or a business trip, our home is left unoccupied and vulnerable to theft, fire, or other unexpected events. Travellers home insurance can give you the peace of mind you need when you are away from home. In this article, we will explain what travellers home insurance is, what it covers, and how to get the best deal.
What is Travellers Home Insurance?
Travellers home insurance, also known as vacant home insurance, is a type of insurance policy that covers your home and its contents when you are away from home for an extended period, typically more than 30 days. This type of insurance is different from regular home insurance, which only covers your home when you are in it.
Travellers home insurance is designed to protect your home and its contents from events such as theft, vandalism, fire, water damage, and other unexpected events that could happen when you are not around.
What Does Travellers Home Insurance Cover?
Travellers home insurance typically covers the following:
Coverage |
Description |
Building Insurance |
Covers the structure of your home, including the roof, walls, floors, and any permanent fixtures, such as built-in appliances, cabinets, and light fixtures. |
Contents Insurance |
Covers the items inside your home, including furniture, electronics, appliances, and personal belongings such as clothing, jewellery, and other valuables. |
Liability Insurance |
Covers you in case someone is injured on your property or if you cause damage to someone else’s property. |
Loss of Rent |
Covers you if your tenant is unable to pay rent due to damage caused to the property from any event covered under your policy. |
How to Get Travellers Home Insurance?
The best way to get travellers home insurance is to shop around and compare policies from different insurance companies. Here are a few tips to help you get the best deal:
1. Research
Before you buy travellers home insurance, do some research on the different types of policies available, and compare prices from different providers. Look for reviews and ratings of insurance companies to see what other customers have experienced.
2. Check Coverage Limits
Make sure the coverage limits of the policy meet your needs. For example, if you have expensive electronics or jewellery, make sure that they are covered up to their full value.
3. Understand the Policy Exclusions
Read the policy documents carefully and understand what is excluded from coverage. Some policies may exclude certain events, such as floods or earthquakes.
4. Bundle Insurance Policies
Consider bundling your travellers home insurance with other insurance policies you may have, such as auto insurance or life insurance. Insurance companies often offer discounts for multiple policies.
FAQ
1. What is the difference between travellers home insurance and regular home insurance?
Regular home insurance only covers your home when you are living in it. Travellers home insurance covers your home when you are away for an extended period, typically more than 30 days.
2. What events are covered under travellers home insurance?
Travellers home insurance typically covers events such as theft, vandalism, fire, water damage, and other unexpected events that could happen when you are not around. Make sure to read the policy documents carefully to understand what is covered and what is excluded.
3. How much does travellers home insurance cost?
The cost of travellers home insurance depends on various factors, such as the location, the value of your home and its contents, and the coverage limits of the policy. It is best to get quotes from different insurance providers to compare prices and get the best deal.
4. Can I get travellers home insurance if I rent out my property?
Yes, you can get travellers home insurance if you rent out your property. However, you will need to let the insurance company know that the property is rented out and get the appropriate coverage.
5. Can I get travellers home insurance for a vacation home or a second home?
Yes, you can get travellers home insurance for a vacation home or a second home. However, the coverage and the cost may vary depending on the location and the value of the property.
In conclusion, travellers home insurance can give you the peace of mind you need when you are away from home. Make sure to shop around and compare policies from different insurance providers to get the best deal that meets your needs.
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