If you own a second property, you’ll know it brings a set of responsibilities that do not come with standard ownership. Whether it’s a holiday home, a weekend retreat or an inherited family property, it’s important to make sure it’s properly protected. Second home insurance is designed to do just that.
However, how does second home insurance work? In this helpful guide, we’ll explain what second home insurance is, what it covers and how it differs from standard home cover.
Second home insurance is a type of cover that protects residential properties that aren’t your main home. This might include a holiday home, a weekend cottage or a house you’ve inherited but don’t live in full time. You might need second home insurance if you:
This type of insurance can protect the building, its contents and your legal liability as the owner. Like any home insurance, it’s designed to give you peace of mind that your property is protected when you’re not there.
Insuring a second home is straightforward. Here’s how it works:
By giving your insurer the right details, you’ll get a policy that suits how you use your second home. That means you can enjoy it knowing it’s properly protected.
Everyone who owns a second home has different circumstances, which is why second home insurance should be tailored to you and your specific needs. To build a policy that suits your needs, you’ll have the option to choose from the following covers:
Second home insurance works differently from standard home insurance because second homes carry different risks. They’re often left unoccupied for long periods, which can make issues like break-ins or water damage from burst pipes harder to detect. Because of this, some policies may include restrictions in the cover provided and/or inspection requirements.
Insuring a second property in the UK means you may also need to meet certain security requirements, like installing approved locks or an alarm system. If you rent out your second property as a holiday let, you’ll likely need extra liability cover to protect against claims from guests.
Premiums for second home insurance are typically higher than for a main residence, as the risks are different. But with the right policy, you can protect your property and enjoy it without worrying.
When it comes to insuring a second home, there are a few important things to consider. Asking yourself the right questions can help you choose a policy that properly meets your needs. Here are five key questions to think about:
Thinking through these points can help you choose a policy that fits your situation.
Second property insurance should be in place to make life as a multiple homeowner worry-free. With the right cover, you can relax knowing your property is protected, whether it’s a weekend getaway or a place you let out from time to time.
If you’re unsure what cover you need, we’re here to help. Speak to an advisor for clear, practical guidance on second home insurance.
Our experts at Towergate can get you a quote that will suit your specific second home insurance needs. Call us on 0345 266 8578 or get a quote online.
James Cooper is a respected industry leader with around 10 years' experience in the home and property insurance sector. He works across a broad range of insurance product and policy development and delivery, including product development; customer sales and marketing; and P&L accountability.
Date: June 13, 2025
Category: Home and Property