Most standard home insurance policies do not provide cover for Second Homes, Holiday Homes or Unoccupied properties. Howwever, we have access to specialist companies that can accommodate most circumstances, including providing cover for Holiday Homes that are let out to paying visitors.
There are a range of levels of cover available with each insurer offering different terms depending on the your own personal circumstances and length of time the property is left unoccupied.
The most basic products offer cover for FLEE perils only. Under these products cover is generally restricted to damage caused by Fire, Lightning, Earthquake or Explosion and Property Owners Liability, with some insurers providing additional cover for impact by Aircraft. Cover for a wider range of perils may be purchased depending on individual circumstances. Examples of the additional covers available include Escape of Water, Theft or Attempted Theft and Malicious Damage. The cost of the policy will reflect the level of cover being provided.
