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    Why should you protect your Holiday Home with us?

    Why should you protect your Holiday Home with us?

    We have a wealth of experience in covering both higher value main homes and holiday homes abroad. From villas, to apartments, chateaux and country estates, we can insure clients’ homes whether they are expatriates, or even foreign nationals looking for specialist cover.

    In the unfortunate event of our insureds have to make a claim, we provide a stress free process with a network of English speaking claims experts on hand to assist.

     

    The Innovarisk policy offers:

    • Wordings in plain English with warranties-free cover;
    • Reputation of fast and fair claims service (over 90% of our home insurance clients were satisfied with the way we settled their claim).

    New Features

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    Cover for building improvements following a claim or to make the building more environmentally sustainable

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    Cover for various new types of items

    Our coverages versus a standard policy?

    • No limit on theft cover when your property is left unoccupied
    • Automatic cover when you rent out your property, including damage caused by tenants
    • Buildings cover which automatically includes terraces, swimming pools, tennis courts, outbuildings and boundary walls
    • No limit on items of higher value, such as valuable furniture or televisions
    • Automatic cover for loss of rent
    • €7.5 million liability cover to cover any injury suffered by your visitors, tenants, employed staff or simply passers-by.

    Case Studies

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    Theft

    On a sunny Sunday, our customers decided to have lunch in the garden. An opportunistic thief spotted the open kitchen window, got in, and stole all the computer equipment. Our cover for theft or robbery is guaranteed even where there is no trace, so we paid out the claim.

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    Strom

    A storm blew some roof tiles off the house of one of our policyholders. If our client had taken out standard insurance, they would have had to prove the wind speed and the existence of damage within a 5km radius. Our policy has no such restrictions, and the claim was settled quickly.

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