Frequently asked questions:
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What is second home insurance?
Second home insurance can provide cover for people with multiple residences. Since you might not be at the property often, second homes can be more likely to experience loss or damage. For example, it might get targeted by thieves. Second home insurance is designed to offer protection in these types of situations.
What makes a house a second home?
A second home is a property you own that’s not your primary residence and where you spend at least six months of the year. Your main residence is typically where you keep your possessions and use as a registered address for important tasks such as legal, voting, and banking matters.
What does second home insurance cover?
Just Landlords second home insurance can offer protection for a range of contents insurance and building insurance risks, including:
- Theft and attempted theft cover – Protects against the loss of belongings due to theft or attempted theft
- Malicious and accidental damage cover – Provides cover for damage caused intentionally or unintentionally by third parties
- Property owners’ liability cover – Protects against legal liability for injury or damage to others’ property while on your second home premises
- Fly tipping cover – Covers the removal of waste illegally dumped on your property
- Replacement locks cover – Offers cover for the cost of replacing locks if keys are lost or stolen
Policy limits and exclusions may apply, please see our second home insurance policy wordings for full terms and conditions.
Different types of second homes
As previously mentioned, a second home is a property you own that’s not your primary residence and where you spend at least six months of the year. Here are the types of second homes covered by our second home insurance:
- Holiday homes: A place you go for holidays, like a cottage or beach house.
- Weekday work residence: A place you stay during the week for work, away from your main home.
Why is second home insurance different to regular home insurance?
A standard home insurance policy might not be suitable for your second home. Some of the reasons for this are:
- Second homes might sit empty for longer than permitted by a standard home insurance policy.
- They’re often used for holidays or are rented out, which can require specialist cover.
- Regular home insurance typically won’t be provided by insurers for an “empty property,” “holiday rentals,” or “long-term renting,” so it’s important to consider second home insurance for these situations.
How much does second home insurance cost?
The cost of second home insurance depends on several factors, including:
- The year of construction and type of property.
- Any previous insurance claims made on the property.
Other types of policies
Just Landlords also provides cover for the following types of homes:
- Holiday homes: Properties used for holidays, which need specialised insurance for occasional stays and holiday letting.
- Holiday home lets: This includes properties rented on platforms like Airbnb.
- Unoccupied properties: Properties empty for long periods can benefit from unoccupied home insurance due to unique risks.
Why choose Just Landlords for second home insurance?
With our help, you can search for a policy that’s suitable for your property at Just Landlords. Put in your details and the level of cover you’re after, and we’ll provide a personalised quote to help meet your needs. From queries to claims, our UK-based customer service team is also on hand to support you.
To get a quote, fill out our online form. You can also speak to a member of our team on 0808 168 9220.
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.
Our frequently asked questions
Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
Do I need second home insurance?
If you own a second home that isn’t your primary residence, you may benefit from second home insurance. It can provide more cover than a standard home insurance policy, as it takes into account that someone will not always live at the property.
What if the rebuild cost of my second home increases?
Our second home insurance includes index linking as standard to help mitigate the risk of increases in rebuild costs. Index linking is the process of tracking changes to rebuild costs. This is to ensure the building’s sum insured remains correct.
We provide a monthly check as part of our index-linking cover. If the rebuild cost goes up, this won’t affect your premium during the term of your insurance, but any changes will be reflected in the quote you receive at renewal.
Can you have two home insurance policies?
Yes, if you own more than one property, each home should have its own insurance policy to ensure suitable cover and protection.
Is second home insurance more expensive?
The cost of second home insurance varies based on factors such as the frequency of use, occupancy patterns, and the value of possessions kept on the property.
Is second home insurance a legal requirement?
While it’s not a legal must-have, mortgage lenders typically require homeowners to have building insurance for their second home. Contents insurance is also recommended to protect possessions.
What happens if my second home becomes unoccupied?
If your second home becomes unoccupied, letting your insurer know is crucial. Unoccupied properties are more vulnerable to risks, and adjustments may be needed to ensure suitable cover during this period.
Am I still covered if I let out my second home?
If you decide to rent out your second home, your standard home insurance might not fully cover you. In such cases, you may need second home insurance that’s specifically designed to cover the extra risks of renting out a property. Second home insurance typically includes protections like liability cover, loss of rental income coverage, and property damage caused by tenants.
What property types do you cover?
We can cover various property types, including bungalows, flats, terraced, and detached houses. If you can’t find a suitable option when filling out our quote form, contact our team, and we’ll see if we can still offer you a quote.
Do you offer policies for portfolios?
Yes, we can provide insurance for multiple properties in one policy to protect several homes. Using our online quote form, you can get a quote for up to 100 properties on one policy.
How can I make a claim?
You can find our claim form and additional information on how to make a claim for your second home insurance on our claims page.
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- Gallagher – Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers Limited. Part of the Arthur J. Gallagher & Co group of companies.
