According to the latest figures, investment in overseas property is still popular with Spain clearly being the most invested country. Your holiday home is an important investment which for a substantial part of the year will be left unoccupied or rented out. Therefore, when things go wrong you will need the help of someone local who is sympathetic to your problems and in most of the cases you will need the expertise of professionals that are knowledgeable enough to resolve matters.

When buying properties in Europe most of the time people are offered home insurance policies provided by local insurers. At that time it is too easy to accept, but the cover offered may not be suitable for you and the policy is generally in the language of the country where you are buying. This is of course can cause problems when it comes to making a claim – especially if you don’t know the language.

When looking to purchase a second home abroad it is very important that you buy specialist home insurance that covers all of the things that can go wrong with having a house miles away from where you generally live. If you are not covered then you can easily get into serious trouble.

What is covered by a Specialist Home Insurance policy?

A specialist home insurance policy covers everything you would expect in a normal home insurance policy, plus the following:

> Financial cover for personal possessions, in or outside the property
> Specialist cover for your fine art and antiques
> Specialist cover for additional homes, buy to let properties and holiday homes abroad
> Specialist cover for non-standard properties (E.g. thatched roofs, flat roofs or houses with 7+ bedrooms)
> Accidental damage to both buildings and contents
> 24 hour home emergency service

It is essential that before you purchase any insurance policy that you ensure you know exactly what you're buying. You should be aware of what is and what is not covered by the policy. It is very easy to find out what is covered by the policy by reading through the terms and conditions and also the policy exclusions.

If you want more information on how much it will cost you to insure your holiday home then it is recommended that you get a quick home insurance quote online today.