Autumn brings crisp mornings, cosy getaways and a fresh set of risks for self catering properties. Stormy weather can mean damaged roofs, fallen trees, flooding or power cuts, while quieter periods between bookings can create additional challenges for owners.

If you own a holiday home now is a good time to check your insurance still reflects how the property is being used. Does your policy cover accidental damage, loss of income following an insured event and periods when the property is unoccupied?

With October half-term and the winter booking season approaching, a quick policy check could be worthwhile. Making sure you have the right cover in place now can help you focus on welcoming your guests rather than dealing with unexpected surprises later.