Holiday Home Insurance in Italy
As your Italian property is hundreds of miles away it is essential to have adequate house insurance in Italy that you understand and can depend upon should the worst happen. Many holiday home owners are initially attracted by the notion that local policies offered by Italian insurers seem to be cheaper. However, cover tends to be much more limited than UK policies, so any small cost saving up front could prove to be very costly in the event of you trying to claim - only to discover you aren't covered.
Due to holiday homes in Italy being frequently left unoccupied, they are vulnerable to theft and weather damage. Should your Italian property be used as a holiday rental, there is also the added risk that guests could injure themselves or damage your property.
Holiday home insurance in Italy doesn't cover every eventuality. A policy provides cover for a list of specified perils and does not provide unlimited cover for every eventuality or maintenance related issues. Before you choose a policy, rather than assume you are covered, it is important that you read the small print so you understand the scope and restrictions of the cover.
Comprehensive cover when unoccupied or let
At Schofields you don't have to worry about hidden exclusions that could invalidate your policy. Our Italian home insurance is designed specifically for holiday home owners, written in plain English with claims resolved by UK-based experts. Cover is not restricted when your property is unoccupied and there are no security requirements. The policy also provides specialist cover for holiday lets - including public liability insurance and accidental damage to contents cover.
Why choose us?
Holiday home insurance summary of cover
Schofields insurance for a house in Italy includes the following benefits when you choose buildings or contents insurance.
- There are no unoccupancy restrictions.
Certain restrictions do apply when the property is not furnished for normal habitation. We cannot insure properties that are left permanently unoccupied (e.g. awaiting sale or being renovated). - No security or inspection requirements. The policy does not require frequent inspections or insist on specific security.
- Full theft Insurance. The policy covers theft by tenants and non-forced entry.
- Public liability insurance. An indemnity limit of £5m is automatically included which indemnifies both the property owner and the tenant when legally liable. With today's ever increasing recourse to sue, this essential cover will protect you against legal costs and expenses for injury to third parties (for example slip, trip and fall claims) or damage to property - even when holiday let.
- Employers liability insurance. £1m is automatically included. This protects you against legal action from injured domestic employees, such as change over staff.
- Accidental damage to contents. For an additional premium, the cover can be extended to include claims arising from accidental damage to contents, such as stains or damage to furniture. This also covers accidental damage caused by holidaymakers.
- Cover for loss of pre-booked rental income. You are automatically covered for twice the contents sum insured if contents insurance is included.
- Alternative accommodation costs. For you, your family or rental clients following loss or damage to the property.
- Travel and accommodation costs incurred to minimise a claim.
- Insurance cover for swimming pools. The policy includes insurance for swimming pools under the buildings section and public liability for the use of the pool.
- Written in plain English. Policy wording is clear and unambiguous, so you know exactly what is covered.
- Excess. A standard £50 excess increased to £250 for water damage and weight of snow claims & £300 for earthquake damage.
- Earthquake. Due to earthquake activity in Italy we may or may not be able to provide earthquake cover. Your application will be risk assessed upon submission.
- Schofields have specialised in holiday home insurance in Italy since 1984 and claims are dealt with by qualified insurance experts.
- Arranged with certain Underwriters at Lloyd's of London, one of the world's leading insurers - exclusively for Schofields.
Our Italian home insurance covers loss and damage caused by:
- Fire and explosion
- Theft or attempted theft, including theft by tenants
- Storm or tempest (excluding damage to gates or fences)
- Flood
- Lightning, thunderbolt or earthquake
- Escape of water or oil leakage from fixed water tanks, apparatus or pipes
- Civil disturbance or vandalism
- Impact by aircraft, vehicles or animals
Buildings Insurance for a home in Italy covers
What are buildings? fixtures and fittings within the buildings, domestic outbuildings, garages, domestic fixed fuel oil, tanks, swimming pools, tennis courts, drives, patios and terraces, walls, gates and fences.
- Damage caused by falling aerials and satellite dishes
- Breakage of fixed glass and breakage of sanitary fixtures and ceramic hobs
- Accidental damage by external means to underground services
Contents Insurance for a home in Italy covers
Covered on a 'new for old' basis
- Property in the open
- Accidental damage to televisions including video recorders
- Breakage of ceramic hobs, mirrors and fixed glass in furniture
- Fatal injury caused by fire or burglars
- Replacement of locks following theft or loss of keys
Important Documents
This is a summary of cover, view or print the full terms and conditions:
Holiday home insurance in Italy policy wording
Useful Insurance Information
Compare our overseas holiday home insurance
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Buying insurance based on price alone is risky if it doesn't provide the cover you need. If you have any holiday home insurance queries we are here to help...
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