A specialist in holiday homes insurance can not only find you the best deal, they can also give you good advice and tell you what to look out for when considering second home insurance. You will at minimum want to cover the exterior or shell of your holiday home, you should also consider insuring against other damages such as accidental and storm damage, and if your holiday home is at risk from it, flood damage and damage from subsidence. These are the minimum you should consider for your holiday home insurance.