If you take out second home contents insurance, your possessions are covered up to the policy amount. So, for example, any single item of up to £3,000 is covered (unless otherwise stated in your policy). There may be certain provisos, though, such as ensuring that any jewellery, cameras, watches, money, and credit cards are removed when the property is left empty for more than 48 hours.
Loss of rent cover
Up to £25,000 – Applies to confirmed bookings following an insured loss under buildings cover.
Alternative accommodation cover
Following an insured loss under buildings cover, we’ll help you find alternative accommodation if your property is rendered uninhabitable.
Following an insured loss, your policy will cover travel costs so you can reach your second home.
Public Liability cover
Up to £5 million is included as standard. If you want to let out your second home to paying guests for extra income, you are covered up to £5 million public liability insurance as standard. So, if a tenant injures themselves during their stay and claims for personal injury compensation, your legal costs are covered. In addition, public liability insurance protects you against the financial cost of third-party claims for property damage. Intasure cover both short-and long-term lets.
Swimming pools and hot tubs
We offer protection against damage sustained to swimming pools and hot tubs, which is particularly valuable for second home holiday lets.
Optional accidental damage cover
Our customers who rent out their second homes often choose to extend accidental damage cover to family and tenants.
Optional theft-by-tenant cover
Extends protection to instances where tenants are accused of stealing your belongings.
For the full details of what our policy covers, please check the policy wording.
What does second home insurance not cover?
The following is excluded from our second home policies:
- Damage caused by faulty workmanship or defective design.
- Damage caused by pets, moth, or vermin.
- Malicious damage caused by persons legally in the property.
- Loss or damage caused by rising groundwater tables.
What is classed as a second home?
We appreciate it’s often hard to decipher the definitions surrounding ‘second homes’ if you’re new to property insurance. So, let’s try to clear things up.
Our policies cover the following:
Why choose Intasure?
Intasure has nearly 20 years of experience offering home insurance and holiday let protection throughout Europe and further afield, in locations such as South Africa and the UAE. What’s more, we have a strong relationship with regulatory bodies, which means our fingers are continually on the pulse of industry changes. As such, our insurance policies are continuously evolving to reflect the new risks you might face.
Here are just a handful of the many benefits to purchasing second home insurance with Intasure:
- We’re specialist holiday home insurers.
- Policies can be tailored to you with optional covers.
- We provide high cover levels – for instance, up to £1 million buildings protection.
- Up to £5 million Public Liability cover as standard.
- Alternative accommodation and loss of rent cover offered.
- Enhanced accidental damage cover is available.
- Optional theft by tenant cover is available.
Get a quote online today or call our friendly team for more information on 0345 111 0680. They are waiting in the wings right now to help provide a policy to suit you. In addition, unlike many other second home insurance providers offering policies overseas, we have an English-speaking UK-based customer service team. That means they can guide you through the process, make amendments to your policy, and handle claims in your native language.
Second home house insurance FAQs
Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
*This provides you with a summary of the cover. Policy limits and exclusions may apply, For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to. *Any discounts subject to claims history, excess level & level of security at the property.