Second Home Insurance – InsuraHome

Second Home Insurance – InsuraHome

If you own a second home, it is very important that you have the correct type of Second Property Insurance cover in place, depending on how you use your second home. If you rent out your second home to long term tenants then you might find our landlords insurance more appropriate for your needs. Similarly if you use your second home as a holiday home then our Home Insurance for Second Homes may be more suitable, especially if you are also doing short term holiday lets. Although Home Insurance for Second Homes is similar to your ‘normal’ home insurance, there are some major and key differences that you should be aware of to help ensure you don’t end up out of pocket should the unexpected happen.

Obtaining suitable Home Insurance for your Second Home is just as vital as the cover you put in place for your main residence. Typically, a ‘standard’ home insurance policy isn’t suitable for a property that isn’t your main residence or family home and this could leave you in difficulties in the event of a claim.

You need a policy that is specifically set up with the way that you use your second property in mind, since you might not always be there or you may be letting out your second home to holidaymakers.

At InsuraHome Home Insurance, we are experts in providing an extensive Second Home Insurance solution for those wanting Home Insurance for their Second Home. Whether your property is due to be empty for 30 days, 60 days or even intermittently between holiday lets, we can help protect your wallet and your peace of mind from the unforeseen and unexpected.

What is Second Home Insurance?

Second Home Insurance covers the risks you face when owning a second property that isn’t your main residence. In some cases, even your mortgage provider may require you to obtain this specialist kind of cover because second homes can be more susceptible to burglary, vandalism and damage from short term tenants as well as extensive damage from other mishaps due to not being present in the property on a daily basis, such as the escape of water.

Second Home Insurance is different from a ‘standard’ home insurance policy because it specifically covers the risks associated with owning a second property or holiday home. InsuraHome Home Insurance can help provide cover for you and your Second Home from a number of perils such as fire, subsidence, earthquakes and may be able to offer protection where others may have declined in the past.

Or speak to an InsuraHome Second Home Insurance specialist by calling +44 (0) 1483 806 900

Second Home Insurance – Key Benefits

• Cover for Buildings & Contents.
• Cover available for “Clean” or “Non-Standard” Risks.
• Non-Standard Construction considered*.
• Risks up to £10,000,000 total sum insured.
• Legal Expenses up to £100,000 automatically included.

Second Home Insurance –  Available for:

A Second Insurance policy from InsuraHome Home Insurance are available for the following circumstances:

• Policy applies to short term holiday lettings or;
• Properties used for own use, or friends & family.
• Policy applicable to properties situated in England, Wales, Scotland, Northern Ireland, The Isle of Man and The Channel Islands.

Or speak to an InsuraHome Second Home Insurance specialist by calling +44 (0) 1483 806 900