So at long last you have managed to find your perfect place in the sun, it’s the ideal holiday retreat you always dreamed of and it gives you the chance to escape for a few glorious sunny weeks of each year. It’s an attractive idea, and the perfect way to pass the summer months, enjoying the sunshine and making the most of staying at your second home without the worries of hotel fees and other guests.

But problems can arise when you view your home purely as a holiday retreat, and not pay too much mind to how it will fare through the winter months when you’re not around to take care of it. A lot of second home owners fall into the trap of believing that their overseas property insurance will cover them for any problems that may arise throughout the whole year, but in fact many policies contain conditions that can leave the claim invalid if the property is damaged whilst unoccupied.

The most common trap that people fall into with second home insurance is not realising that their policy requires them to fulfil certain obligations for the claim to be valid. Often hidden away in the small print, you could be required to switch off and drain the whole water system when leaving the house unattended, not leaving the property unattended for over 30 days or even performing weekly checks.

Your second home could be left without cover if something happened and these conditions are not met, so the most important thing is to check your insurance policy, read the small print and make sure there are no catches. If you need to, upgrade your policy – some second home insurance companies like Schofields offer insurance for holiday homes that remains valid throughout the year without these requirements. 

Of course, you should do everything in your power to protect your second home against the dangers it could face over the winter. Security is key, and it’s important to make sure that no valuables are left in sight and that the house is secure. If possible it’s advisable to have someone you trust locally check on your holiday home regularly just to be sure nothing has gone wrong, and to catch it early if it has.

Another common problem that often occurs in unattended holiday homes is that water pipes may freeze or burst during the winter. Last year hundreds of holiday owners were caught out by the unexpected cold weather, discovering that their homes had suffered water damage as they’d been left unprepared for the icy conditions. Many of these also found that they weren’t covered on their insurance. Prevention from disasters like this cannot be guaranteed but there are a few simple steps you can take that could make all the difference.

Firstly, turning off the heating through the winter is a bad idea – yes it means you won’t have to worry about heating bills, but in temperatures below freezing the pipes could suffer serious damage, which would cost a lot more. Make sure all pipes are thoroughly insulated – don’t forget there are probably a few in the loft space above any roof insulation you may have, which will stop heat reaching them from the rest of the house. Leave the water mains switched off to limit the amount of water that could leak out if a pipe did burst, and most importantly if you do discover a frozen or burst pipe, call an emergency plumber immediately!