Insurance for second homes
If you’re fortunate enough to own a second home, you may want to consider taking out insurance to ensure suitable protection is in place — especially for when it’s left unoccupied for an extended period. That’s because, unless you have someone keeping a close eye on things, you might not know what’s happening until it’s too late.
That’s why we provide second home insurance. This property insurance policy offers financial protection for your property, should a disaster occur.
We offer second home property insurance in the UK (England, Scotland, Wales, Northern Ireland and the Channel Islands) and across Europe, including Spain, France and Italy. We also offer cover for select locations outside of Europe. What’s more, we cover second homes ranging from holiday lets to apartments, caravans, and villas.
What is second home insurance?
Second home insurance is a policy that helps to protect properties that aren’t your primary residence.
A minor inconvenience such as a dripping tap can turn into a major issue if it’s not fixed straightaway. What’s more, a significant problem, such as a burst water pipe during the winter, could cause extensive damage to your home’s structure. A minor problem can quickly become a major headache for second homeowners, as you may not be at the property often enough to avert every issue.
However, with second home insurance from Intasure, you can get financial support for insured claims when the worst happens.
![Modern housing estate](https://intasure.com/app/uploads/2024/02/GettyImages-1367206751-1-scaled.jpg)
What locations does second home insurance cover?
You shouldn’t feel restricted when buying a second home. This is a chance for you to secure your dream holiday home, after all! That’s why we’ve extended our holiday home insurance to cover more than 20 countries and territories across the EU and beyond, covering many popular British tourist destinations. What’s more, our customer service is handled by a UK-based, English-speaking support team.
Our holiday home insurance abroad can cover many popular British tourist destinations, such as France and Spain. Looking to go somewhere further afield? We also offer policies for locations such as Turkey and the UAE. Here’s our complete list of destinations:
![Intasure Covers map](https://intasure.com/app/uploads/2023/09/Covers-map-for-the-website-white-background.png)
What does second home insurance cover?
Second property insurance can provide a range of cover. As you might expect from a home insurance policy, buildings and contents cover are the most basic form of protection.
However, the protection your policy provides can depend on the extent of the cover you take out. For example, a basic policy can cover problems like loss or damage to buildings caused by fire, smoke, lightning, storms, and flooding.
Here’s a summary of what our second home insurance policies typically include:
Buildings and contents insurance
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 cover the cost of alternative accommodation if your property is rendered uninhabitable.
Emergency travel
Following an insured loss, your policy can cover travel costs so you can reach your second home.
Public liability cover
If you want to let out your second home to paying guests for extra income, you are covered up to £5m public liability insurance as standard. So, if a tenant injures themselves during their stay and claims for personal injury compensation, your legal costs can be covered. In addition, public liability insurance can protect you against the financial cost of third-party claims for property damage.
Swimming pools and hot tubs
We offer protection against damage sustained to swimming pools and hot tubs.
Optional accidental damage cover
Our customers who rent out their second homes can choose to extend accidental damage protection to also cover family and tenants.
Optional theft by tenant cover
Extends protection to instances where tenants are accused of stealing your belongings.
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.
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, moths, 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 for home emergency cover?
Our UK-based team is on hand to help you find home emergency cover for your property. If you need to make a claim, you can depend on our friendly in-house team to handle your request quickly and politely. Change your mind? It happens. That’s why we don’t add any admin fees in the event of a cancellation. It’s because of service like this that 95% of our customers recommend us on Reviews.co.uk.
Cover overseas
We provide cover in more than 20 countries and territories
UK teams
We have an in-house UK-based customer service team
English documents
We provide all policy documents and communications written in English
Rated ‘Excellent’
We are rated ‘Excellent’ on Reviews.io, with 96% of reviewers recommending us*
*correct as at January 2024
What types of property insurance do we offer?
We’re here to help you take care of your investment with insurance cover for your property. Talk to our experienced staff today to arrange a policy that fits your property. Call us on 0345 111 0680.
Second home house insurance FAQ
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.
Our mission as second home insurance specialists
We comprise of an in-house team of sales, renewals, customer service, claims, and underwriting specialists. Our aim is to help you find property insurance that suits your needs.
20
Years’ experience
providing holiday home insurance
96%
of reviewers recommend Intasure
on reviews.io*
20+
Countries Covered by
Our Policies
*correct as at June 2024
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Specialist second home insurance from Intasure
Learn more about the cover our products provide: