Holiday home chalet insurance

What constitutes a holiday chalet? OK, forget the word holiday for a moment and let's concentrate on the word Chalet. I associate the word chalet mainly with skiing, a skiing holiday chalet which is made from wood, timber if you like, and given that wood is a flammable material I would insure mine if I had one. Would I just!

I can picture one now in either Austria or Switzerland, the French or Italian Alpes or the Pyrennees between Spain and France. I can see that gorgeous wooden holiday chalet all covered in a foot of snow and the gang are sat outside with their apres ski drinks. Then fast forward a few months to when the snow has gone and you are up in the same mountains in a temperature of nearly 50C. That's when they can catch fire when some pillock drops a lit fag end or the grass catches light from the magnification of a broken bottle. I hope you have fully comprehensive insurance for your holiday chalet.