When choosing your French holiday home insurance there are many considerations to make. While you are able to take out a policy in France, unless you understand the language perfectly, you may be risking misunderstanding the policy. This may lead to you taking out insurance that may not be the most suitable one for you. If you wish to take out your overseas insurance in the UK then you are able to do so and you have a policy written in plain English.

One of the first choices you need to make is whether you are going to take home contents and buildings insurance together. Buildings insurance is typically needed if you take a mortgage to buy the property, but you may choose to take contents cover or not. If you want both policies, you may get them cheaper if you take them together.

When looking for a policy you may want to ensure the provider offers a policy that comes without restrictions. For example, there may be times out of the year when your property is empty. This may mean your property is more at risk of theft or damage from burst pipes at this time. Some providers may state that you have to take precautions such as draining water tanks and ensuring electricity is turned off during the periods it is unoccupied, in order to remain covered.

When renting out your holiday property liability insurance provides peace of mind if someone were to suffer injury on your property. Legal costs add up if they decided to sue you and with liability cover, it typically pays towards your legal costs. You may also want to ensure that liability insurance covers the use of your swimming pool.

You may wish to check how much excess the provider is asking for on your policy. The excess is the sum you pay towards a claim if you make one and then the provider takes over the rest of the claim, up to so much. Some providers may ask for a higher excess than others so always compare. If you are protected from earthquake damage then you may wish to check if it raises your excess in the event of a claim due to this. Often your excess may be raised by a considerable sum if you make a claim for earthquake damage.

Finally, always take the time to go over any documentation and small print associated with your French holiday home insurance. It is here where you are able to find limits and exclusions in the policy, which you need to know about.

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