In order to enjoy all the pleasures of second home ownership, you also need to give thought to insuring the property.
This might prove a little more involved than it first appears, since second home insurance is typically complicated by two principal differences to standard home building and contents insurance when you are the permanent owner occupier.
Specialist second home insurance is generally needed because, unlike your principal place of residence:
For both of these reasons, the risks faced by your second home may be different in their nature and extent than those encountered in your main place of residence, which is rarely left unoccupied for any length of time and which is not let to tenants.
What you need to know when buying cover is that the special risks to which your holiday home may be exposed are adequately covered.
Just some of these risks are likely to include:
Thanks to our expertise and experience of the market, at UKinsuranceNET we have access to a unique range of insurance products for second or holiday homes.
That understanding helps us to match your particular, individual needs and circumstances as such a property owner with suitable products on the market – products which it might be difficult to find if you are conducting a search whilst relying only on your own knowledge and resources.
Our expertise is designed to help you secure the cover you need at the most competitive rates – aiming to save you money on an essential aspect of holiday home ownership.
Added to that, we are able to secure favourable discounts based on your claims free record and, if you are in the fortunate position of owning more than one holiday home, further discounts on cover for more than one property.
Second home insurance is therefore likely to be an essential consideration once you own such a property – and we are here to help you find it, at a competitive market rate.
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