Second home insurance

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What is second home insurance?

  • It's a policy designed to cover your home if it's left empty for more than 30 days at a time

  • Policies consist of buildings and contents cover, either together or separate

  • Buildings cover could secure your home's structure from events like storm damage and fire

  • Contents cover could insure your possessions against problems like theft, loss and damage

Why do I need second home insurance?

  • Standard policies may not cover you if your property is vacant for more than a 30 day spell

  • Leaving your home unoccupied for a long time could increase the risk of theft

  • Storm damage to your home could worsen as you're unable to regularly fix any problems

Buying a second home is a big investment but you can't always be there to keep an eye on it. Get cover and you could secure your investment against risks, so your finances aren't hit if you suffer a loss.

Why compare second home insurance quotes with

According to the 2011 Census:

  • Over 2.3m people in England and Wales have a second home

  • More than 1.5m of these are UK based

As a second home owner, you'll know that you can't always be there to protect your property, but just because it's a second home, doesn't mean it should be second best when it comes to insurance.

At, we like to use our insurance expertise to help and inform you with our research, guides and articles, which we hope you find useful.

Are you sharing too much information on social media when you visit your second home? Find out how oversharing could get you into trouble.

After buying home insurance or car insurance, 96% of customers would recommend us (based on 1100 respondents - as of 21/08/17). Read our reviews