As an owner of a holiday home in the UK, you will need specialist second home insurance to make sure you are covered for the specific perils associated with the property being unoccupied or let short term.
As the owner of a Holiday home overseas or in the UK, it is vital that you fully understand the extent and limitations of your insurance policy. Do you have the cover for legal liability for domestic employees? What restrictions are in place in letting or if the property is unoccupied etc? If your holiday home house insurance policy has been placed through a Spanish, French, Italian,or Turkish insurance company etc. it is more likely that you simply do not know.