Second Home Insurance

Getting insurance for a second home can be challenging. The reason for this is that second homes are generally frequently unoccupied for lengthy periods. However this need not be a challenge as we have source several insurers who specialise in this area. Should your circumstances change then the majority of our policies can be converted to standard home insurance at a reduced cost

Generally there are two main reasons for people having a second home. A second home being used as a holiday home or a second home used during the working week to avoid commuting.

Cover for holiday homes is generally straightforward however there will me conditions such as ensuring that the heating remains on over the winter months and some insurers may insist on regular inspections. If the property is let however you will need a landlords insurance policy.

Second homes used for commuting are less of an issue as the periods between unoccupancy are generally shorted. The main restriction that we have to deal with is to ensure adequate security precautions have been taken

Please note failure to comply with policy terms & conditions could result in you being uninsured in the event of a claim.

People who have second homes may only use their properties on the odd occasion.We at UKinsurancenet can arrange a policies that offer full cover even when the property is unoccupied subject to meeting the policy terms.

We can also arrange cover for permanently Empty Property or even Listed Building Insurance.


Second homes are mainly used as holiday homes although it is not unusual for the property to be let out as a holiday home to family & friends. This is where our range of 2nd home insurance policies comes into play. If you have tenants who occupy the property on a permanent basis then you will require landlords insurance or let property insurance. If the property is not let you will require holiday home insurance.

 

UKinsurancenet can arrange Buy to Let Insurance. However you will find that it is much more difficult to maintain the property properly as you will not always be aware when faults develop. You must therefore ensure the property is inspected on a regular basis. We recommend that you employ an agent to perform regular inspections and maintenance.