Insurance for Second Homeowners
At Intelligent Insurance, we take a fresh approach to second homes. We go beyond the standard cover options, tailoring policies to your unique needs and offering comprehensive cover for peace of mind*.
Our specialist team provides support at every step.
- High quality home insurance for second homes
- No one size fits all - we assess second homes on an individual basis
- Rated Excellent for customer service
Frequently Asked Questions
Yes, second home insurance offers specialised cover tailored to properties that aren’t your primary residence.
This typically includes protection against risks like vacancy periods, vandalism, and weather damage specific to the location.
Standard home insurance often does not cover these scenarios or may have limitations when applied to a secondary property.
The cost varies depending on factors like the location, value, and size of your second home, its construction type, the chosen level of coverage, and your claims history.
However, at Intelligent Insurance, we pride ourselves on finding competitive rates while ensuring comprehensive cover for your needs. Get your bespoke quote now.
Certain standard home insurance policies have restrictions on vacancy periods, often exceeding 30 days.
Leaving your second home empty for extended periods might require notifying your insurer or adjusting your policy to ensure continued coverage.
We can navigate these options with you to avoid any gaps in protection.
An Intelligent approach to Second Home Insurance
Intelligent Insurance approaches second home cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.
What we provide
What isn't included?
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
- you are only covered up to the maximum claims limits shown on your schedule
- you are responsible for any excesses stated in your policy
- any exclusions or restrictions shown by endorsement in your schedule
Looking for extra protection? Upgrade your cover
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Family Legal Protection Plus
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Optional -
Home Emergency Plus
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Optional -
Accidental Damage
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Optional
Still have questions? Visit our help centre
Arranging Insurance for your Second Home
Whether you are looking for buildings insurance or contents cover, we aim to arrange insurance for your second home at a competitive price, and can also cover lost keys, some accidental damage, and legal expenses.
At Intelligent Insurance we know that every second home is different. We assess second homes on an individual basis, considering everything from the amount of time left unoccupied to the level of security in place, location, and how the property is used.
Speak to us today via our live chat
Key Features Include:
- Defaqto 5-Star Rated
- Specialist team to help answer your questions.
- High quality cover at a competitive price
- High levels of cover as standard
For help with your quote, use our online chat to speak with a member of our team
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
What our customers say
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Useful extras at no extra cost!
“…I spent a whole morning searching for insurance for a second home. Intelligent Insurance was by far the best offer I got. The online form was clear and easy to fill in and they followed up with a friendly phone call. The insurance cover is good with useful extras at no extra cost. The premium was also one of the lowest I was offered…..”
TM
New Policyholder – 11th July 2024
Home Insurance Specialists names you can trust
