Very often, you’ll want to do things with your second home that you wouldn’t with a full-time residence. For example, you might:
These things might break the terms of an ordinary insurance policy, so you wouldn’t be covered if something happened. We’ll work with you to understand your needs and ensure the cover is on the right basis and with correct insurer.
Very often, you’ll want to do things with your second home that you wouldn’t with a full-time residence. For example, you might:
These things might break the terms of an ordinary insurance policy, so you wouldn’t be covered if something happened. We’ll work with you to understand your needs and ensure the cover is on the right basis and with correct insurer.
Standard covers to consider in all circumstances will probably include:
Building Insurance
Buildings insurance covers the physical structure of your property – essentially the bricks and mortar of the building, and any permanent fittings or fixtures.
Contents Insurance
Contents insurance covers the items in your home if they’re damaged or stolen – and some policies also cover your contents while you’re away from home.
Legal Protection
This covers you for almost any legal expense that results from owning a home, from conveyancing, inheritance and probate, to disputes with neighbours or tradespeople
Home Emergency
Home emergency protects you against flooding and fire, but an emergency add-on includes callouts or replacement parts if the plumbing or heating breaks down, or if you snap your key off in your lock
Accidental Damage
Accidents do happen, but they’re not always covered. Accidental damage protects your possessions from everyday mishaps.
Unoccupied
Many home insurance policies don’t cover homes that are unoccupied for more than 30 days. This is because there’s likely to be a higher risk of theft or of damage going unseen. If you only plan to visit the premises at the weekends or to leave the property unoccupied for longer periods than 30 days then you need to make sure that your policy is with an insurer that is comfortable with this.
Holiday Let
If you plan to let out your second home as a holiday home, you need to tell the insurers as this is seen as a different risk. People who stay in other people’s property tend not to be as careful. Also, as the owner of the property you could be held responsible if a holidaymaker got injured on your property and so will need Property Owners Liability Insurance to cover you for damage or injury to another person or their property and to cover the associated damage and legal costs. You may also want to add in some Loss of Rent cover. This will protect your income from rentals if something happens at the property that means it cannot be rented out.
Long Term Let
Landlord insurance is designed to cover you for the specific issues that landlords face. Additional covers that you might need to consider include Property Owners Liability Insurance, Loss of Rent cover and Alternative Accommodation.
Overseas Properties
In these circumstances you will need to deal with an insurer who specialises in the insurance of overseas properties. RK Henshall can help you with this.
Simply pick up the phone today and contact one of our personal lines account handlers on 01270 758070 who will talk you through all requirements. Or contact us here. Feel safe in our hands.