Your own home insurance is something that you couldnt do without so why not take out insurance for the holiday home?
insurance for holiday homes is very important just so you can protect yourself and is even more important when it comes to renting out the property which is something you really should do because it can earn you a lot of money.
What happens if a clumsey guest or even you leaves something sizzling in a pan on the cooker and goes off for a couple of seconds and a fire breaks out. Then the fire carries on until it gets so bad that it cannot be stopped and potentially destroys the house and at the very least, the kitchen area. Do you really think that the guests are going to be able to afford to pay for all of these damages they caused? Do you think you could pay for the damages caused? Unless you are rich and famous like Richard Branson then you are not going to be able to afford your own island.
If you have holiday home insurance then you are going to save a lot of money once something does happen. The good thing about this is that it will cover you when you are out there as well as people renting out the property too. Another thing is you can get this insurance for an individual country which potentially save you a bit of money, home insurance in Spain is really just one of the options out there for you to look in to.
Insurance is not there to cost you extra money although this is of course how companies make their cash. It is there to save you in the lonmg run if something happens in the future. It can also help you if you leave a hazard out that a guests injures themselves on.
it is worth looking into it now and getting second home insurance.