Second Home Insurance
- Specialist cover for properties used as your own holiday retreat or as a holiday let
- Cover for properties left unoccupied for 60 consecutive days or more between visits or bookings
- Choose from buildings, contents or combined home insurance
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Second Home Insurance
Specialist Home Insurance for Second Homes
A second home can be a place to enjoy family holidays and weekend breaks, or it may be occasionally let to guests. Because it is used differently from your main residence, it is likely to need specialist insurance.
Standard home insurance may not always provide suitable cover for second homes. These properties can be left unoccupied for longer periods or used for holiday letting. As a result, they may need different cover from a house used as a main residence.
At InsuraHome, our specialist second home insurance provides cover that suits the way you use your property. Like your main home, a second property can still be affected by unexpected events. For example, damage from fire, flooding, escape of water, theft or storm.
Ready to find out what cover is available? Request a second home insurance quote today. Simply complete our short form to get started.
Request a Second Home Insurance Quote
Or speak to an InsuraHome second home insurance specialist by calling +44 (0) 1483 806 815
When Second Home Insurance May Be Needed
At InsuraHome, we offer specialist second home house insurance for a range of property uses, including:
Holiday Home Property Insurance
Designed for homeowners who use their property for personal holidays, weekend breaks or seasonal escapes. Suitable for properties used by the owner, family and friends, while being left empty between visits.
Holiday Let Property Insurance
Designed for homeowners who occasionally let their property to paying guests for short stays. Cover can help protect your property while guests are staying and when it is left empty between bookings.
Why Choose InsuraHome Second Home Insurance
Every second home is different, and so are the insurance requirements. Whether you use your property as a holiday home or occasionally let it to guests, we’re here to help you find suitable cover.
Rather than offering a one-size-fits-all policy, our experienced home insurance specialists assess every application individually. This allows us to provide second home insurance tailored to your circumstances.
Second Home Insurance Cover
Our house insurance for second homes can provide cover against a range of risks, including:
Fire Damage
Covers damage caused by fire, including smoke damage and damage from lightning or explosion.
Weather & Flood Damage
Covers loss or damage caused by storm, flood or severe weather conditions.
Escape of Water & Oil
Covers damage caused by leaks from pipes, heating systems and domestic appliance.
Theft & Burglary
Covers loss or damage resulting from theft or attempted theft, subject to your policy terms.
Property Owners' Liability
Covers your legal liability if someone is injured or their property is damaged in connection with your home.
Subsidence, Heave and Landslip
Covers loss or damage caused by movement of the ground beneath your home.
Request a Second Home Insurance Quote
Or speak to an InsuraHome second home insurance specialist by calling +44 (0) 1483 806 815
Additional Cover for Second Home Insurance
When looking for the best second home insurance for your property and how it is used, it's important to understand what cover is included. This can help you choose a policy that suits how you use your second home.
Alongside standard buildings and contents insurance, our second home insurance also includes additional cover specifically designed for second homes.
| Additional Cover | Description of Cover | Building Insurance | Contents Insurance |
| Theft by Tenants | Covers loss or damage caused by theft or attempted theft by tenants. | ✔ | |
| Liability Cover | Provides property owners' liability cover, including liability arising from holiday letting activities. | ✔ | |
| Common Parts | Covers contents kept in shared or communal areas. | ✔ | ✔ |
| Alternative Accommodation / Loss of Rent | Covers the cost of alternative accommodation/lost rent if your holiday home becomes uninhabitable due to an insured event | ✔ | ✔ |
The second home insurance comparison table above highlights how additional cover applies across our buildings and contents insurance policies. For full details of what is and isn't covered, please refer to the policy wording.
Specialist Cover for Your Second Home
A second home can be used in many different ways, from family holidays and weekend breaks to occasional holiday letting. This means your insurance needs may be different from those of your main home.
We take the time to understand your circumstances and arrange second home insurance that suits your needs.
Request a Second Home Insurance Quote
Or speak to an InsuraHome second home insurance specialist by calling +44 (0) 1483 806 815
Discover Other Specialist Home Insurance Solutions
Here at InsuraHome, we don’t just provide second home house insurance. We offer a range of specialist home insurance products.
This includes cover for homeowners with more complex situations and properties that may not fit a standard home insurance policy.
Frequently Asked Questions about Second Home Insurance
1. What is Second House Insurance?
Second house insurance, also known as second home or 2nd home insurance, is specialist insurance for properties that aren't your main residence. It is designed for homes that may be used differently from your primary home.
This could include a holiday home that you visit for retreats or a property that's occasionally let to paying guests.
Because these homes are often left unoccupied for periods of time, they can face different risks from your main home.
Specialist second home insurance helps protect your property against a range of insured risks. It can provide peace of mind whether your second home is left unoccupied or occasionally let out to guests.
2. Why Do I Need Specialist Insurance for My Second Home?
One of the main reasons is that many standard home insurance policies limit how long a property can be left unoccupied. This is often between 30 and 60 consecutive days.
For second homes, it is common to exceed this limit under a standard home insurance policy.
Additionally, when a property is left unoccupied for extended periods, problems such as burst pipes, theft or vandalism may not be noticed straight away. This can lead to more extensive damage before the issue is discovered.
This is why arranging specialist second or 2nd home house insurance can be important if your property is left empty for longer periods.
3. Who Can Get InsuraHome Second Home Insurance?
Our second home insurance UK cover is available for second homes located in the UK. This includes properties in England, Wales, Scotland, Northern Ireland, and the Channel Islands.
4. Does InsuraHome Second House Insurance Have Any Conditions?
Yes. Like most insurance policies, there are certain conditions you'll need to meet to help ensure your house insurance for second home properties remains valid. Some of the main conditions include:
Property Inspections
- The property should be inspected both inside and outside at least once every 30 days.
- A record of each inspection, including the date, time and any observations, should also be kept.
Water and Heating System - you will need to meet one of the following requirements:
- Between October and April, the main water supply should be turned off; or
- During this period, the heating should be left on to maintain a minimum temperature of 15°C.
Security Requirements
- The property should have suitable security measures in place, including mortice deadlocks or multi-point locking systems on external doors.
- Accessible windows should also be fitted with key-operated locks.
These are some of the main policy conditions. Please refer to the policy wording for full details of all conditions, terms and exclusions.
5. For My Second Home, Does Home Insurance Include Accidental Damage?
Accidental Damage cover is available as an optional policy add-on. Unlike many standard home insurance policies, accidental damage cover can continue while your second home is occupied by tenants.
This cover is subject to the terms, conditions and exclusions of your policy. Please note that accidental damage doesn't include wear and tear, mechanical breakdown or malfunction.
6. How Much Does Homeowners Insurance for Second Home Cost?
There are multiple factors that can affect the cost of homeowners insurance for a second home. These can include the property's location, rebuild value, how it is used and how long it may be left vacant.
If you're unsure of your property's rebuild value, you can arrange a rebuild cost assessment with a Chartered Surveyor or use a rebuild cost calculator to provide an estimate.
7. How Do I Get a Second House Insurance Quote from InsuraHome?
Here at InsuraHome, it’s a simple process to get a second house insurance quote. Click the Request a Quote button and complete our short online form with a few details about your property.
Once you've submitted your form, our specialist home insurance team will review your information and contact you to discuss your quote.
Request a Second Home Insurance Quote
Or speak to an InsuraHome second home insurance specialist by calling +44 (0) 1483 806 815