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Home insurance is something most people prioritise for their primary residence, but what about for second properties that do not contain the owner’s valuable possessions?

This type of cover means that in the event of a burglary, fire, floor or some other unforeseen event the content of the house is covered.

However, according to the Association of British Insurers (ABI), which has around 400 companies in membership, one in ten owners of foreign properties do not have any insurance for their holiday abodes.

Furthermore, research by Zurich Private Clients has found that one in ten of those who own homes abroad stay in them just once a year.

With the property vacant so often home owners are risking it becoming a prime target for thieves who have become alert to the fact the house is unoccupied for sustained periods of time.

Zurich says that another 52 per cent of holiday home owners leave their properties empty for a month or more at a time.

This figure is even more worrying when taking into account the fact that the typical British holiday owner has around 15,200 of contents in their second homes.

Essentially, this would mean should they be burgled or suffer at the hands of an act of God they could be left 15,000 out of pocket.

Of those who do have insurance, 11 per cent said they did not know if the cover they had was adequate, leaving them liable to huge losses.

However, the ABI has called these figures “unsurprising” as 25 per cent of people don’t have insurance for their first home.

Malcolm Tarling, a spokesperson for the ABI, said: “There are specialist insurers around that will insure second homes. Obviously there is the issue of the value of your homes and security.”

He added that those who own properties in guarded complexes will find insurance cheaper than those who own homes in a remote areas and do not pay that house a visit for long periods of time.

Despite this, the ABI spokesman reassured second home owners that there are definitely insurance policies available and although the price may reflect the risk, it is often cheaper in the long run than confronting a disaster or burglary with no back up plan .

In order to keep policies down holiday home owners were advised not to leave anything in the property that they did not need.

Firstly because expensive items, such as TVs or computers, will attract burglars, but also because the more valuable the contents of the property the dearer it will be to insure.

Also, to have costly items being rarely used and all the time depreciating in value may not be the best of ideas.

“The specialists will have expert knowledge and they will use their local contacts through the pool of knowledge they will have built up over the years; so as with all of these things, if in doubt go to a specialist,” said Mr Tarling.

Being a landlord is not always an easy business. In the course of a year they may have to contend with late paying tenants, an increasingly tough mortgage market and the upkeep of their property.

On top of all this, landlords may also wake up to tenants banging down their doors asking what they are going to do about the boiler that has broken and the ceiling that has caved in.

The landlord without emergency assistance cover may find himself running for the hills faced with such an array of unexpected problems, which could amount to a large maintenance bill that may not have been budgeted from.

A survey carried out by the Association of Residential Letting Agents (Arla), published last week, revealed that rental yields have experienced a marginal fall in the last quarter.

This was attributed to the number of new property developments entering the market, tempting tenants into new lets.

Landlords should bare in mind these figures as if their profit margins are likely to experience a slight downturn then handling expensive emergencies is likely to prove even tougher.

Tom Entwistle, editor of online community for home owners who rent their properties, Landlordzone.co.uk, has advised those letting out properties that it is “always a good idea to have emergency cover”

He added: “A lot of landlords do use that because it makes it easier for them to manage [unexpected events].”

Mr Entwistle also pointed out that landlords can take out rent guarantee insurance, which will cover them financially if one or more of their tenants defaults on payments.

“If they are worried that they might lose tenants it offers protection against rent arrears and it offers a certain amount of cover for legal protection as well, if the landlord has to take a tenant to court,” he explained.

However, it is not just landlords that expose themselves financially by entering into a tenancy agreement.

On Saturday May 10th, BBC Radio 4’s Money Box programme featured a Citizens Advice spokesperson and a representative from housing charity Shelter who both agreed that there are too many landlords not taking steps to protect their tenants’ deposits.

By entering into one of the three official safeguard schemes available landlords can ensure that their tenants’ bonds are secure.

The schemes were introduced last April for landlords in England and Wales and aim to reassure tenants that their bonds would not be withheld without good reason.

So far the schemes have attracted almost 900 million from landlords keen to boost their credentials to prospective tenants by signing up for the initiative.

Unfortunately, tenants cannot take out an insurance that will guarantee the return of their bond. The best they can do is take care of the property they are living in during the tenancy.

However, tenants would be advised to take out home contents insurance policies that will cover them for the loss of their personal possessions.

Those tenants with live-in-landlords should ask the home owner whether or not their belongings are already covered by an existing policy taken out for the property.

Consumers thinking of buying a holiday home in the sun or planning to retire to foreign shores need to consider the different rules and regulations for mortgages and properties in different countries, according to an industry specialist.

The Association of Mortgage Intermediaries (AMI) has launched a fact sheet to help homeowners thinking of setting up a new place abroad for fun or for good.

Issues to be aware of, according to the AMI, include the currency difference, paying for the property and legal issues as the house will be subject to the country’s laws and not just the usual property regulations.

Other considerations include insurance protection, transferring money into a foreign country, the health system of the country, setting up a bank account and what level of local taxation needs to be paid.

“An increasing number of UK residents are buying property abroad, be they holiday homes, future homes to retire to or as buy to let investments. There are many considerations for mortgage intermediaries when advising their clients on such a purchase and they must take great care to ensure the process goes as smoothly as possible,” said Rob Griffiths, associate director of AMI.

“The key point that should be remembered is that buying abroad is different to buying in the UK. In different countries there are different laws regarding property and mortgages, and there will be differences in practices, customs and local regulations.”

Whether you subsidise your income by renting out part of your home or you manage a number of separate rental properties, as a landlord there are a number of things you need to safeguard in order to look after both yourself and your tenants.

Some such considerations reflect generic home cover policies – such as building and contents insurance – while other features take on a markedly more niche air.

The most crucial thing that any buy-to-let investor will want to protect will be the bricks and mortar that make up their property. To this end all landlord insurance policies will include staple buildings insurance, which affords peace-of-mind against such things as fire or flood damage – in many cases even paying out up to 30 per cent of the value of a property against loss of earnings (i.e. rent).

As with regular personal dwelling policies, contents insurance is another major concern. But a crucial distinction must be drawn between a landlord’s own personal contents – typically furnishings – and those of his tenant, which will not enjoy protection in your policy. Tenants must therefore be advised to take out their own separate policies.

Similarly, the prudent buy-to-let investor will want to weigh up in his mind whether he wants standard cover or accidental cover, with the latter offering a greater degree of protection against the less-than-sage antics of hapless tenants.

In addition to all the familiar home insurance concerns, however, a wide swathe of issues specifically relating to landlords must also be taken into consideration.

Undeniably the most crucial of these is public liability protection, which protects you and your business against any claims arising from an incident involving your property, for example loose tiles injuring a passer-by. As ever, though, there will be numerous clauses outlining what responsibilities landlords accept as their own – such as adhering to health and safety legislation – and failure to abide by these commitments will result in a claim being nullified.

Furthermore, while homeowners who take out personal legal liability insurance enjoy protection against any claims made by a tradesperson working on their property, such policies exclude liabilities arising in connection with the policyholder’s trade or profession. In the eyes of the law, therefore, basic home insurance policies become irrelevant for landlords as their property is treated as being their place of work – underscoring the importance of specialist cover.

This fact becomes particularly relevant for buy-to-let investors with substantial property portfolios to their names. For such individuals, employer’s liability insurance will protect them and their business from any potential compensation claims made by employees who have sustained injuries at work – tradesmen or otherwise.

On a more mundane level, ordinary household policies are also inappropriate because they tend to include a clause that nullifies damage or theft claims once a property has been left vacant for 30 days or more – something that often becomes necessary in buy-to-let properties due to void tenancy periods or necessary refurbishment work.

“Landlords need to carefully consider their insurance needs and ensure that they are properly protected,” concluded Tony Armitage of Paragon Insurance. “The biggest irony is that some landlords are actually paying through the nose for potentially unsuitable cover.”

Around five million Brits have fallen prey to financial scams, whilst another 23 million were unsuccessfully targeted by fraudsters, according to a survey by Which?

One in three people received an automated phone call which invites them to claim a prize usually by calling a premium rate number. Two million people responded and subsequently ended up out of pocket.

Around eight million people have also received information about international lotteries through official looking letters announcing their big win despite the fact they never entered.

Fraudsters then demand that people pay a ‘contingency’ of as much as 75,000 in order to receive their winnings with some going so far as to use the bank details themselves.

Which? editor Malcolm Coles, said: “The con artists who run these scams are experts in fooling people into parting with their money. Unfortunately, it’s rare to get something for nothing – if it sounds too good to be true, it probably is.

“Avoid giving them the information they need by checking thoroughly before confirming email addresses or giving bank account details to anybody you don’t know.”

The internet is also proving a popular tool for fraudsters with many emails such as the so-called ‘Nigerian 419′ being sent to part people from their cash.

These generally revolve around the theme that those who give a foreign bank account number and pay an advance fee will receive a large sum of money in return.

Marks & Spencer Money has announced plans to extend its insurance sale.

The financial services arm of the popular department store is offering 50 off both car and home insurance policies.

While the original offer was supposed to end today, popular demand has prompted an extension for a further calendar month.

“The 50 discount has given thousands of customers the chance to enjoy the experience of having cover that includes all the additional extras as standard,” said Steve Price, head of insurance at M&S Money.

“We’re confident that once customers join us, they’ll stick with us.”

M&S Money is one of a number of relatively new entrants to the financial services market that have helped boost competition in the insurance sector.