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

What is Covered?
  • Short term holiday lettings
  • Airbnb properties
  • Family holiday homes

How to get a Quote

To get a Quote, simply do one of the following:

  • Click any of the 'Request a Quote' Buttons and complete the online form.
  • Call our Specialists on 01483 806 815.
  • Download our Application Form located on the 'Policy Documents' page, print it out and fill in your details using BLOCK CAPITALS. This form can then either be posted to us, or scanned and emailed to
  • Download our Application Form and save it to your desktop. Re-open it, fill it in digitally and click 'Send me to the InsuraHome Specialists' on the final page, once you have completed all questions.
  • If you would like to request a call, send an email to with your name and contact number.

Please Note: Our Open Times are: 09:00-17:30, Monday-Friday.

Second Home Insurance – What is Covered?

Main Features of InsuraHome Second Home Insurance

The following limits are provided automatically unless a higher limit is requested. To view the full list of cover available, please refer to the Policy Wording.

InsuraHome Second Home Insurance – Buildings Insurance

CoverLimit (£)
Accidental Damage to Fixtures & FittingsAutomatically Included
Loss of Rent / Alternative Accommodation25% of buildings / 24 months
Trace and accessUp to £5,000
Replacement LocksUp to £5,000
Theft/attempted theft by guests/tenantsUp to £10,000 any one claim

InsuraHome Second Home Insurance – Contents Insurance

CoverLimit (£)
Accidental Damage to electronic equipmentAutomatically Included
Guests & Visitors personal effectsUp to £1,000 any one claim
Loss of metered water/oilUp to £2,500
Replacement locksUp to £5,000
Freezer coverUp to £500

InsuraHome Second Home Insurance – Legal Expenses Insurance

CoverLimit (£)
Legal ExpensesAutomatically included up to £100,000

InsuraHome Second Home Insurance – Liability Insurance

CoverLimit (£)
Accidents to Domestic Staff£10,000,000
Legal Liability to the Public£5,000,000

And much much more!

Click here to see the full InsuraHome Second Home Insurance Policy Wording for the full summary of buildings and contents covers as well as any optional covers.

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

Second Home Insurance – FAQs

Can you get insurance for a Second Home?

The simple answer is yes you can get insurance for a second home. Second home insurance covers you when your property is empty for longer than your standard home insurance policy will allow and will also offer protection should you decide to offer short term holiday lets, including Air Bnb.

What counts as a Second Home?

A Second Home is one that you own but is not your permanent residence. Most ‘standard’ home insurance policies will not cover your property for risks associated with a second home, such as if it is left unoccupied for longer than 30-60 days because of the increased risk of theft, vandalism, a burst pipe being undiscovered and more. Therefore, there are specialised non-standard Second Home insurance policies available on the market designed to cover these risks and other specific to owning a second home.


How much does Second Home home insurance cost?

The cost of a second home insurance policy will vary depending on many factors such as the value of the property, condition of the property as well as the location and security of the property as if the property is in an area with a high crime rate then the price of cover is likely to increase. In general, second home insurance will cost more than a standard home insurance policy in terms cost per day of cover due to the additional risks associated with owning a second home.

How do I prepare my second home for winter?

Many second homeowners forget about the obligations they have for looking after their properties during the cold, wet and windy winter period. Many things could potentially go wrong with your property such as burst frozen pipes, flooding, loss of heating, leaky roof and other unexpected surprises. Click here to check out InsuraHome’s 5 easy ways to prepare your property for winter hazards.

Contact Us

If you wish to speak to one of our InsuraHome second homeowners insurance Specialists:
Call: +44 (0) 1483 806 815
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).

For Claims information, please click here

About InsuraHome Second Home Insurance

Our Second Home Insurance policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. InsuraHome Insurance for Second Homes is backed by a team of underwriters who are highly experienced and deal with each risk on a case-by-case basis. Therefore, our customers can be assured that all our InsuraHome Second Home Insurance policies provide tailor-made protection, as required.

How do I get an InsuraHome Holiday Home Insurance UK Quote?

At InsuraHome Home Insurance we aim to provide you with a  first class customer service experience to ensure you are getting the protection you require. 

To get an InsuraHome Second Home Insurance quote, click any of the ‘request a quote’ buttons on this page and fill out our short online application form.

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Second Home Insurance specialists on 01483 806 900.

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

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