Second Home Insurance

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

  • Cover for UK homes that are regularly used but not your main residence
  • Use of the property by your friends and family is included at no extra cost
  • Cover that fits your lifestyle - whether it's for work, entertaining or getaways

You can buy online too. Follow our simple quote system to buy your insurance

Get a Quote

Discuss your second home or property with us and get a quote today

0344 892 1750
0344 892 1750

We’re here for you Weekdays 9am - 7pm, Sat 9am - 1pm

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Hercule

For more information on whether you could benefit from a second home keep reading..

What makes a home a second home?

If the property is not your main residence but you visit it frequently it’s likely to be considered a second home rather than a holiday home. So what’s the difference? Mainly what you use if for. If the property is not solely used for holiday purposes and you visit it quite frequently, it less risky for insurers and likely to be a lower premium. If you think your property might best benefit from second home insurance give us a call to discuss. A second home must be in the UK and not let out.

We cover your contents

You’re bound to have some contents in your second home so we can cover up to £40,000 of items as standard (In some cases we can cover up to £60,000). This includes all your general contents excluding any personal possessions or valuables. If you have contents in your second home, it would be a requirement of the policy to have suitable security in place due to the time the property is left unoccupied and the increased theft risk. Please see FAQs for suitable security requirements.

Coverage for the most likely causes for a claim

The three most common risks when it comes to Second Homes are malicious damage to the property, escape of water and theft or attempted theft. With our policies, you are protected against these as standard so if you do need to make a claim, we have you covered.

Support for your claims

When you make a claim, you can rest assured that we will work with you every step of the way to help you understand your claim. We'll also keep you updated at every point so you'll never be in the dark.

Second Home Insurance Claims

If and when it comes to the crunch and you need to make a claim, we have an in-house team who work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, get in touch with us and we will keep you updated with the progress of your claim as we follow up with the insurer.

Need to make a claim?

Call or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible.

01708 777 710

Second Home Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your Second Home Insurance.

Grade-two-listed-building-master

video

The Dangers of Underinsuring Your Holiday Home

Underestimating the value of your holiday home can have huge financial implications if something goes wrong. We run through the risks of underinsurance and what to consider when looking to value your home.

house front door

article

Doing the basics: Selling an inherited house

If you’ve inherited a house from someone who has passed away, it can be a difficult time. Often, as a beneficiary, you would like to have a quick and stress free sale of your inherited property. However, sometimes it’s not that easy if the property needs updating.

subsidence

article

How does subsidence affect my buildings insurance?

Subsidence is often a big worry for property owners. Very difficult to predict and costly to fix we all want to know it’s covered on our insurance. But what is subsidence? Is it that much of a risk? And will affected properties really be uninsurable afterwards? We look at what subsidence is and how insurance companies deal with it.

Second Home Insurance FAQs

I stay in my second home more than I stay at my main home, can you cover me?

In insurance terms, if you stay at your second home more often than your first home, we would consider the second home to be your main residence. An example would be if you rent a flat in London five days a week but return to your main residence at weekends. In this case you would need to insure both properties on standard home insurance policies to get the right cover.

Do I need a specific type of locks for the property?

Yes. Window and door locks must meet our minimum security requirements. Windows must have key operated security devices. Doors must be BS3621, mortise deadlock of at least 5 levers, rim automatic dead latch with key locking handle on inside with key operated multi point locking system with at least three fixing points and lock cylinder with at least five pins to the main entrance door.

Am I covered if I let my second home to others?

Our second home policy will not cover you to let out your property commercially. This includes anyone who stays there who pays your for their visit. If however you let family or friends use the property and do not receive any financial reward, you will still be covered as usual.

How long can we leave our second home unoccupied for?

The stipulation is that if the home is going to be unoccupied for more than 30 consecutive days, you get someone to inspect the property every 7 days. Properties are at higher risk if they appear unoccupied and regular visits allow for maintenance of the visible areas. Also, regular visits mean that leaks or break ins can be spotted as early as possible, helping minimise damage.

What do I do if I need to cancel my cover?

You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). You will still need to pay for the customer service charge and anytime you’ve spent on cover. Simply drop us an email, call or letter and we’ll be happy to process your request.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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