Think your holiday house or apartment is fully insured? Many property owners assume their coverage is sufficient—only to find out too late that it’s outdated, incomplete, or missing critical protections. 💸

Owning a holiday home in Croatia comes with unique risks, from extreme weather events to unexpected damage and liability issues. Whether you rent out your property or keep it for personal use, having the right insurance is crucial to protect your investment.

Why You Need to Review Your Policy Now

✅ Water Damage & Natural Disasters

Croatia is no stranger to unpredictable weather. Heavy rains, floods, strong winds, and even earthquakes can cause extensive damage to properties. However, many insurance policies do not automatically include coverage for such natural disasters. If your policy lacks this protection, you could be left covering expensive repairs out of pocket. Be sure to check whether your policy includes storm, flood, and earthquake coverage, or if you need to add extra protection.

✅ Property Value Changes & Underinsurance

When was the last time you updated your insurance policy? If it was more than a few years ago, your home’s value may have increased, but your coverage amount has stayed the same. Relying on an outdated valuation can leave you underinsured, meaning you won’t receive enough compensation in case of damage. Rising construction costs and property values make it even more essential to ensure your policy reflects the true replacement cost of your home.

✅ Renovations & Upgrades

Have you recently added a swimming pool, extended your patio, or renovated the interior of your holiday home? Many homeowners forget to update their insurance after making improvements. If you’ve made upgrades, you need to ensure that your policy reflects the increased value of your home and covers any new structures or features. Some insurers may also require specific coverage for pools, outbuildings, or high-end furnishings.

✅ Liability Protection for Guests & Rentals

If you rent out your holiday home to tourists, you may need additional liability coverage. Standard policies may not cover incidents involving paying guests, leaving you exposed to potential legal claims. Whether it’s a slip-and-fall accident or property damage caused by guests, having a comprehensive liability policy ensures you’re protected against unexpected legal expenses.

How to Ensure You Have the Best Coverage

Work With an Insurance Broker for the Best Policy Options 🔍

Let @ad_property_hr assist you in reviewing your current policy and going out to market to get the best coverage—with the best inclusions at the best price. As an experienced insurance broker, I can help you:

✔️ Compare multiple policies to find the best coverage for your property.
✔️ Identify and eliminate gaps in your current insurance plan.
✔️ Ensure your policy includes coverage for natural disasters, renovations, and rental liabilities.
✔️ Get access to exclusive insurance deals and discounts.

Don’t Wait Until Disaster Strikes—Act Now! 🔑

Too many property owners discover their insurance is inadequate only when it’s too late. Protect your Croatian holiday home by ensuring your policy is up to date and comprehensive.

📞 Contact us today for a contents insurance review and let’s make sure your home is fully protected!