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Second Home Insurance

Property insurance which can cover second homes such as weekend or weekday homes.

  • Contents cover for second homes
  • Second home emergency insurance
  • UK-based support
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If you need additional assistance arranging your insurance, find out how our teams can support

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Overall service rating 4.6 / 5

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Why choose second home insurance with Towergate?

Woman

Specialist second home insurance team

If you have any questions about our policy or if you need to make a change, our friendly customer service team is available Mon - Fri 9am - 7pm, Sat 9am - 1 pm.

Claim

Dedicated claims team

Our friendly and helpful claims team are available 5 days a week, 8:30am - 5:30pm

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Second home emergency insurance

Add cover for home emergencies to your policy.

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Cover considered despite previous claims

We specialise in providing cover where other insurance providers may not.

About second home insurance

House

Contents cover for second homes

This policy provides contents cover up to £100,000. You must lock all of your doors and windows when you leave the home for this cover to remain valid.

Accidental Damage

Malicious damage cover

Our policy recognises the most common claims and therefore includes malicious damage as standard.

Water

Escape of water cover for second homes

We include escape of water cover as standard on our policies.

Theft

Theft or attempted theft

As you may not be at your second home all the time, they can be common targets for thieves. We include cover for theft or attempted theft as standard on our policies subject to security conditions being met.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 03450 744 760 and explain exactly what happened
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Second home insurance FAQs

We have a policy specifically for those who have lodgers in their home. That way you can be covered for the additional risks associated with having a lodger in your home. You can contact our team in Colchester for Lodger Insurance.

Yes, you can add cover for home emergencies to your property insurance policy.

  • Three levels of home emergency cover, starting with emergency repairs to the primary heating system at your property
  • Extend to include emergency repairs to your drainage and water services, securing broken windows and doors - and dealing with pest infestations
  • Access to a 24-hour helpline and network of reliable UK tradespeople

Please talk to your Towergate adviser for details.

We specialise in providing cover where other insurance providers may not. If you've had previous claims, we will still consider your case whether or not you've been rejected by other insurers. This is also handled by our Colchester team and details can be found on our contact page. In all cases, the more information you are able to provide regarding your previous claims, the better.

Homes which are at risk of flood are often a little trickier to insure. We have policies which will cater for flood in some of the harder to cover areas and can often refer cases to our insurers to try and find you a policy. You can read more on insurance, provided by our team in Colchester, for flood risk areas here.

Running a business from your home often means you have slightly different need to a standard home. See our home business insurance webpage for more details.

Property owners liability is related to one’s legal responsibility to properly maintain property they own so it is not a danger to others. If a form of negligence connected to the property causes a third party to be injured or their property to be damaged, they may seek compensation from the property owner. Subsequently, it’s important to have insurance in place to cover this, most home insurance policies including our own, include this as standard.

If you would prefer to spread the cost of your RIB insurance policy, you have the option of setting up a Direct Debit to pay your premium bimonthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

Read more FAQs

Second home insurance articles

Where to buy a holiday home in Europe

Finding the ideal spot to buy a holiday home can be tricky, so we've put together a guide to four sunny European holiday home hotspots.

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Buying a Holiday Home

Buying a holiday home has major rewards, if it is done correctly! Take a look at our detailed guide to help you navigate the process and find the right house in the destination of your dreams.

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How to Keep Your Holiday Home Safe and Secure

Because holiday homes are regularly left unoccupied, they’re more vulnerable to certain kinds of damage and are at an increased risk of being broken into.

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How to Protect Your Holiday Home from the Elements

Holiday homes can be particularly vulnerable to damage from the elements. In preparation for the off-season, safeguard your property with these tips.

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How to Take a Holiday Home Inventory

If you rent out your holiday home to guests, or are thinking of doing so, having a good and thorough holiday home inventory is really important.

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Top Holiday Home Claims – and How to Avoid Them

Here at Towergate, we’ve looked at the top 10 most common holiday home claims from 2017 to 2019, how long they take to fix, and the average cost to fix.

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Beginner's Guide to Lending Your Holiday Home to Friends and Family

If you want to treat family and friends by offering them a staycation break in your home-from-home, read a few basics to avoid potential mishaps.

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Best Practice for Leaving Your Holiday Home in Good Shape

See our property preparation checklist to help keep your holiday home in shape should you not be able to visit it for weeks, or even months.

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What to Do When Marketing Your Holiday Home

Marketing your holiday home is crucial to it being a successful business venture. This article covers some of the most vital points that can aid your success.

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