Second Homes by the Sea vs. in the Countryside: Which is Right for You?

Buying a second home is an exciting milestone — whether it’s a seaside retreat for family getaways or a countryside escape for peace and quiet. But with so many choices across the UK, how do you decide where to buy? 

In this guide, we’ll explore the pros and cons of second homes by the sea versus those tucked away in the countryside, including lifestyle benefits, costs, and the all-important insurance considerations such as https://www.insuremy.co.uk/home-insurance/second-home-insurance

🌊 Second Homes by the Sea 

The Appeal 

• Holiday lifestyle: Perfect for summer breaks, sandy walks, and watersports. 

• Rental potential: Seaside towns such as Bournemouth are in high demand for holiday lets, particularly during peak season. 

• Vibrant communities: Coastal towns often have a lively mix of locals and tourists. 

Things to Consider 

• Weather risks: Coastal homes are more exposed to storms, salt erosion, and flooding. 

• Seasonal demand: Busy in the summer, but quieter (and less rentable) off-season. 

• Higher insurance premiums: Proximity to the sea can make cover more expensive due to storm and flood risks. Many owners in these areas also need non-standard home insurance tailored to coastal properties. 

🌳 Second Homes in the Countryside 

The Appeal 

• Peace and privacy: Ideal for unwinding away from busy towns and cities. 

• Year-round charm: Cosy winters by the fire, long summer walks, and plenty of space. 

• Lower purchase costs: Countryside homes are often more affordable than those in coastal hotspots. 

Things to Consider 

• Accessibility: Rural locations may mean longer travel times and limited public transport. 

• Maintenance: Large gardens, private roads, or older properties can require more upkeep. 

• Insurance factors: Homes in remote areas may face higher premiums if they’re left unoccupied for long periods. In some cases, specialist non-standard home insurance is recommended, especially if the property has unique features such as thatched roofs or outbuildings. 

💷 Cost & Value Comparison 

• Property prices: Seaside towns (Cornwall, Devon, Brighton) tend to be pricier than many countryside areas. 

• Rental yield: A coastal property usually brings higher peak-season returns, while countryside homes may attract longer-term renters. 

• Running costs: Both types of homes can incur second home council tax, higher utility costs, and of course, tailored second home insurance.

🛡️ Insurance Considerations 

No matter where you buy, insuring a second home is different from standard home insurance. Things to keep in mind: 

• Unoccupied periods: Many second homes are empty for weeks at a time — you’ll need cover that protects against theft, leaks, and damage. 

• Specialist risks: Flood cover is more critical by the sea; rural homes may need protection for outbuildings, oil tanks, or septic systems. 

• Holiday letting: If you plan to rent out your property, you’ll need specific holiday let insurance, not just second home cover. 

• Non standard home insurance: If your second home doesn’t fit the mould — whether it’s a listed building or is located in a flood risk zone — you may need this type of specialist cover. 

⚖️ So, Which is Right for You? 

• Choose a second home by the sea if you want: lively summers, high rental potential, and a classic holiday retreat — but be prepared for higher upfront and insurance costs. 

• Choose a second home in the countryside if you’re after: tranquillity, lower purchase prices, and year-round charm — while factoring in maintenance and accessibility. 

✅ Final Thoughts 

Whether your dream second home is a cottage by the coast or a farmhouse in the hills, the right choice depends on your lifestyle, budget, and long-term plans. What’s certain is that both options need specialist second home insurance — and in some cases, non-standard home insurance — to make sure your retreat is fully protected. 

At InsureMy, we can help you compare cover tailored specifically for second homes— so you can enjoy your escape without worry. 

‍