Second Home Insurance specialists
Protect your weekend home when you are not there with the help of a CoverBuilder second home insurance policy. With our comprehensive cover, you can feel at ease that your property will be protected when it is left empty. Whether you own your second home due to working away in the week, or you use it as a holiday escape once a month, we have a flexible policy that can cover your home and contents in full.
As well as our standard policy benefits our Second Home Insurance policy can include:
- Buildings cover up to £1.5million
- Contents cover up to £150,000
- Variety of unoccupied options available
- Personal possessions add on available
- 24hr UK based claim line
Help on how to quote
Speak to one of our insurance experts via our instant online chat option. We’ll help guide you through a quote to make sure your specific circumstances are covered whilst providing you with our most competitive premium.
Excellent cover and service as standard
MORE ABOUT SECOND HOME INSURANCE
Selecting the correct insurance
Second Home ownership in the UK is rapidly growing in popularity, with an increase in the number of people taking “staycations”, more people working away from their main address and many people seeing property as a stable long term investment. This boom in ownership has also led to increased demand for suitable insurance policies which unfortunately many of the current insurers on the market are not able to offer.
Although it can be tempting to simply use a standard home insurance policy without disclosing that the property is used as a holiday home, this is very unwise as the insurer would have the right to not pay out if you make a claim and may even cancel or void the policy. The best option is to take out a specialist insurance policy that is tailored for occasional use and holiday homes.
Although many people mistakenly believe that they should insure for the current market value of their second home, this is incorrect. The buildings sum insured needs to cover the cost of rebuilding the property if there was a disaster that meant was completely destroyed. The rebuild cost is therefore how much it will cost to replace the buildings in their current form. This amount should include garages and any outbuildings as well as luxurious permanent fixtures such as swimming pools, tennis courts and patios.
Buildings and Contents cover
When considering insurance for your second home you will need to decide on what sort of policy you require. While
buildings cover is likely to be a necessity, lots of people think about not taking out contents insurance – this is not advisable. Although you may not keep anything of high value at your second home, it is surprising how much it can cost to replace even the basic furniture that a home contains. Holiday home contents insurance is just as important as your content insurance at your main address.
A good way to estimate the value of contents insurance that you require is to walk room to room and make a note of the cost of replacing each item in there – it will soon add up! That is why CoverBuilder offer joint building and contents policies that can cover your home and everything in it, putting your mind at rest when the property is left unoccupied.
Adding personal possessions cover to your Second Home policy can also provide peace of mind that the items you will have on holiday with you will be covered when you are out and about. This avoids the need for multiple policies and you can have your mobile phone insurance, camera insurance and home insurance all in one policy.
Cover for properties that are rented out
We are able to offer cover for properties with lodgers or ‘guests’ who will be occupying the property at the same time as you via our Home Hosting cover. At this time we do not offer Landlord Buy-to-let insurance products so can only offer cover for second homes that will be used exclusively by you and your family, rather than being let to tenants.