Second Home Insurance

Our second home insurance has been designed for the needs of the owners of second homes who work away from home and return home at weekends or the like, providing the widest possible cover at a price that is affordable.

As experienced second home insurance specialists, we understand that there may be occasions when your second home may be left unoccupied for more than 30 days at a time. Our second home insurance policy continues to provide full cover without any penalty or restriction in cover, although we will ask that you arrange for someone trustworthy to inspect the inside of your second home if it is left empty for more than 30 days in a row and we will also ask that you keep the heating on during the winter months or turn the water system off and drain it down.

We believe that our second home insurance policy provides the widest possible cover and is one of the best available in the market. We are constantly looking at ways to improve our policies to provide the best possible service to our second home insurance customers.

Don’t take our word for what we can offer, Click here for a policy summary. Click Here for a quote.

All second home policies include the following as standard:

  • Accidental damage (buildings)
  • Trace and access
  • Unauthorised use of services
  • Unauthorised alterations
  • Emergency access
  • Damage to landscaped gardens by the emergency services
  • Accidental damage to CCTV systems
  • Fire extinguisher cover
  • £5,000 contents cover free to curtains, carpets, blinds, white goods
  • £5,000,000 property owners or occupiers liability
  • Accidental breakage of fixed glass, sanitary ware and underground pipes and cables
  • Accidental breakage of solar panels
  • Accidental breakage of fixed glass, sanitary ware and underground pipes and cables
  • Accidental damage to TV, video, audio, computer equipment (when contents insured)
  • Loss of metered water (when contents insured)
  • Replacement locks and keys (when contents insured)
  • Alternative accommodation costs – up to 20% of the sum insured (following the operation of an insured event)
  • Legal advice and domestic assistance helpline

Related Links: Holiday home insurance UK Holiday home insurance overseas Unoccupied home insurance

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Andrew Copeland
Insurance Consultants Ltd

Tel: 020 8656 2544
Fax: 020 8655 1271


Andrew Copeland Insurance Consultants Ltd and
Andrew Copeland International Ltd are authorised and regulated by the FCA