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If you’re fortunate enough to have a second home, you’ll want to keep it safe. Getting second home insurance is the best way to guarantee you’re covered. From damage to theft, your home will be protected.
Get A Free QuoteThe cost of your second home insurance will depend on numerous factors. Some things insurers will consider are:
Every building and situation is different, so it’s best to get a quote to fully understand how much your second home insurance will be.
A second home is exactly as it sounds: another property your family uses at times throughout the year. Your main residence and second home require different insurance, so it’s essential you know which is which. While your main home can be insured with regular building and contents insurance, your second home requires specialised cover. To help you distinguish between the two, here are some factors to consider:
· How often do you stay in each property?
· What property do your family stay in most often?
· Where are the majority of your belongings kept?
· What address is registered for banking, tax, or voting?
Second home insurance protects your property against specific risks that standard home insurance may not cover for part-time residences. Here's what's typically included and excluded:
Cover Type
What's Included
Fire, lightning, explosion
Damage caused by fire, lightning strikes, or explosions
Storm and flood
Structural damage from severe weather events
Theft or attempted theft
Loss or damage from break-ins
Malicious damage
Intentional damage or vandalism by third parties
Escape of water
Damage from burst pipes or leaks
Impact damage
Damage caused by vehicles, aircraft, or falling objects
Exclusion
Details
Wear and tear
Gradual deterioration or damage from poor maintenance
Mechanical or electrical breakdown
Appliances or systems reaching end of life
Deliberate damage
Damage caused intentionally by you or family members
Damage caused by pets
Damage caused by animals such as dogs and cats
At InsureMy we only use insurers and we price match every quote, so you can be sure that your second home gets a policy it deserves. Here are just a few InsureMy perks you may struggle to find elsewhere:
Second home insurance is designed for properties you own but don't live in full-time. Depending on how you use your property, you may need a different type of cover:
Property Use
Right Policy
Details
Second home for personal use
Second Home Insurance
A property you visit occasionally but don't let to guests
Holiday letting to guests
Holiday Let Insurance
If you rent your property to paying guests short-term
Long-term rental to tenants
Landlord Insurance
If tenants live in your property on an ongoing basis
Empty for extended periods
Unoccupied Property Insurance
If no one lives in or visits the property for 30+ consecutive days
"Second homes face unique risks that standard policies aren't designed to cover. Properties left empty for extended periods are more vulnerable to undetected leaks, break-ins, and weather damage. The right specialist cover ensures you're protected even when you're not there."
- Stephen Corbett
Exposed in specialist property insurance
Based on 2k+ customer reviews
See below some of our top FAQ's when it comes to second home insurance.
Keep your second property safe from harm with second home insurance. InsureMy works with a range of insurers to provide you with the best quotes. Get a free online quote today – quick and easy.
