insurance for second homes

Second home insurance from a UK specialist broker

We arrange home insurance for second homes across the UK, including Scotland, Wales and the Channel Islands.

If you own a property that isn’t your main home, you may need specialist insurance. Second homes are often used at weekends, seasonally, or left empty for periods of time, which can make them unsuitable for standard home insurance policies.

We provide second home insurance for family weekday or weekend homes, holiday homes, and occasionally occupied properties.

We don’t need to insure your main residence to cover your second property.

We commonly help insure:

  • Family weekday or weekend homes
  • Holiday homes
  • Second homes left unoccupied for irregular periods
  • Second homes empty for more than 30 days
Get a Quote

How it works

As a specialist insurance broker, we compare policies from a panel of UK insurers to help you find suitable cover.

  1. Tell us about the property and how it’s used
  2. We search our panel of UK insurers
  3. You choose a policy that fits your situation

What you’ll need:
Property address, how often it’s occupied, and details of any extended unoccupied periods.

Why specialist second home insurance matters

Second homes are often left empty more frequently than main residences. This can increase the risk of issues such as escape of water, theft, or delayed discovery of damage.

Many standard insurers restrict or exclude cover when a property is unoccupied for longer or irregular periods. Specialist second home insurance is designed to reflect how these properties are actually used and helps ensure you remain properly covered.

Quality cover from a specialist provider

Our second home insurance offers strong levels of buildings and contents cover, without compromising on quality. Our customer service is rated Excellent by our customers, and our policies are independently rated for cover quality.


Get a quote in minutes

Get a second home insurance quote online in minutes using our quick and easy quote service. Most customers can arrange cover in under ten minutes, with quotes available from a panel of UK insurers.

If you’d prefer to talk things through, call 0333 311 0390 to speak with a member of our UK-based specialist team.

Home Insurance Specialists names you can trust

Nelson policies as Lloyd's logo
Intelligent Insurance | Pen Underwriting Panel Member
Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member