Compare specialist insurance policies to find the right level of building and contents cover to protect your second home when you’re not there.
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Possibly. If you use your second property regularly, a standard home insurance policy may be sufficient. You may even be able to get your current home insurer to extend your policy to include your second home. However, most insurance companies only consider the property occupied if you regularly stay there overnight. If that’s not the case, you may need to think about a specialist second-home insurance policy.
You’ll also need a separate policy if you rent out your second home to tenants – in these circumstances, look for a landlord insurance policy.
Most second-home insurance policies only cover an unoccupied property for 30 or 60 days. If your second home is empty for longer, you need a specialist policy to protect it.
If you leave your second home unoccupied for long periods, you should avoid leaving expensive contents in it to reduce the risk of theft.
Not all second-home insurance policies are equal. As well as buildings and contents cover, think about how you use your second property to determine which specific type of insurance you need. For example:
Look for a holiday home policy, especially if you rent it out. This provides cover geared towards the specific requirements of owning a holiday property.
If the sale is likely to take a while, a dedicated unoccupied home policy might be the best option.
If you are working on a property prior to taking up permanent residence, consider a home renovation policy.
A second-home policy is also a good choice if you stay somewhere separate for work purposes – for example if you spend weekdays in a flat that’s closer to your workplace before travelling back to your family’s main residence at weekends.
Think about what else you may need to be protected against.
For example, if you rent out the property as a holiday home when not using it, you should think about the following:
public liability cover
loss of rent or income cover
employer's liability insurance to cover any cleaners or gardeners you hire
When looking for second-home insurance, think about:
how long your property will be unoccupied
what insurance cover your second home needs, such as buildings and contents insurance
whether you need any extra protection – for example, if you rent out your property
As with all insurance policies, it’s important to find the right level of cover, not just the cheapest policy. Make sure you obtain a range of quotes from providers that meet your needs before comparing them to identify the most affordable one.
Not if it’s left unoccupied for long periods, because most home insurance policies only cover an empty property for 30 or 60 days.
It depends, but many insurers do not set a minimum period for second homes. Check the policy first to see how long you can leave it empty for.
It’s not a legal requirement, but if you have a mortgage your lender will insist you have buildings cover as a minimum to protect its investment.
It can be, but the cost will depend on how you use the property, how long it will be left empty for and your level of cover.
Compare quotes to protect your home with the right cover.
By comparing home insurance, you could save money on the policy. The best value Home insurance will offer the cover to your home and content. Choose a cover plan from the best UK home insurance companies and see the online discounts they offer.
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Last updated: 13 May 2022