While taking out a holiday home insurance cover policy is something of a must for those who own a second home, some property owners are unaware that a certain degree of due care is required for the policy to be honoured. While the precise terms and conditions of each policy can differ, most - or all - will contain some wording that stipulates the owner must do certain things in order to reduce the likelihood of any damage taking place.

With harsh winter weather in the offing, bearing this in mind is especially important. Below are three areas that can lead to an insurance provider claiming negligence on the part of the owner:

Owners that leave their property unheated and/or their water supply on when temperatures are -15C or lower.

Owners who decide to turn off their heating and leave the water supply on when they vacate their property because they do not have much heating oil left.

Owners who do not take the time to inspect their properties before and during particularly cold temperatures; straight forward precautions can prevent burst pipes and thus prevent damage from occurring to a property.

While this list is certainly not exhaustive, it is a reminder of how important it is to read the terms and conditions of your insurance policy - particularly before you are about to leave your property empty during the winter.

If you need a quote for second home insurance contact click4quote insurance