Specialist second home cover

Specialist Insurance for Your Second Home

Protect your holiday home or unoccupied property with tailored cover designed around how you really use it.

Independent UK Broker

Whole-of-market access — we work for you, not the insurer.

Access to Specialist Insurers

Insurers who understand second homes and unoccupancy.

Tailored Property Cover

Policies built around how often you use the property.

What it is

Cover for the home you don't live in full-time

Standard home insurance is built for properties lived in year-round. Second Home Insurance is designed for the realities of weekend retreats, holiday homes and properties left unoccupied for long periods.

What we cover

Comprehensive protection, tailored to you

Real cover for the things that actually go wrong with second homes.

Buildings & contents

Full rebuild and contents protection for both the structure and what’s inside.

Theft & vandalism

Cover for break-ins, theft and malicious damage — even when no one’s home.

Escape of water

One of the biggest risks in unoccupied properties, properly covered.

Unoccupied property risks

Specialist clauses for extended periods without anyone there.

Loss of use

Alternative accommodation cover if your home is uninhabitable.

Accidental damage

Optional cover for unexpected mishaps inside the property.

Who it's for

Made for second-home owners

If your second property is a treasured retreat or part of your portfolio, the right cover protects both your asset and your peace of mind.

Holiday home owners

Investors with second properties

Owners of part-time residences

Owners of occasionally vacant homes

Unique risks

Why second homes need specialist cover

Standard insurers often restrict or void cover when a property sits empty for long periods.

Long periods unoccupied

Most home policies limit cover after 30–60 days empty.

Increased theft risk

Empty homes are a known target for opportunists.

Maintenance issues

Small leaks become major claims when no one is around.

Insurance restrictions

Standard insurers often refuse, exclude or load premiums.

Why choose us

A broker that knows second homes

We negotiate cover with insurers who genuinely understand part-time and unoccupied properties.

Specialist insurers

Access to underwriters built for second homes.

Unoccupied cover

Tailored clauses for extended empty periods.

Competitive rates

Whole-of-market access keeps premiums fair.

Claims assistance

Real people guiding you through every step.

How It Works

From enquiry to cover in 4 simple steps

Tell us about your property

Share location, usage and occupancy details.

Risk assessment

We assess unoccupancy patterns and security.

Match with insurers

We pair you with specialists from our panel.

Get your quote

Clear, transparent pricing with no jargon.

Common Questions

Frequently Asked Questions

Can I insure an unoccupied property?

Yes. We arrange specialist unoccupied property cover for homes left empty for 30, 60, 90 days or more. Cover can be tailored for short or extended vacant periods.

Is second home insurance more expensive?

Premiums are typically higher than standard home insurance because of the increased risks of unoccupancy. As an independent broker we shop the whole market to keep your premium as competitive as possible.

What if I rent the property out occasionally?

Let us know — we can arrange policies that allow for occasional family use, friends staying, or short-term lets. Choosing the wrong policy could invalidate a claim, so it’s important to disclose all use upfront.

Do I need to visit the property regularly?

Most insurers ask that the property is checked at agreed intervals (typically every 7–14 days for unoccupied periods). We’ll explain any specific conditions before you commit.

Will my standard home policy cover my second home?

No. Standard home insurance assumes the property is your main residence. A dedicated second home policy is required to ensure claims are paid.

Protect Your Second Property Today

Speak to a specialist second home broker — no obligation, no jargon, just clear advice.