Anybody got any ideas where I can get contents insurance for a second residential home ? I've tried the comparison tool but after ringing the best 4 up find that none of them will cover a second (mainly weekday occupied) property. I've asked a broker but the person there who usually deals with these type of enquiries is on holiday !

Any ideas ????

Also should I tell the insurers of our first / main residence that we've got a second place ?

ttlady

Normally you have to arrange cover through the Insurers of your main residence. If they won't provide cover, then move the Insurance for both properties to a company that will offer cover. Most companies will offer cover for both properties, but not the second home in isolation.

In regard to your main residence, if this will only be occupied at weekends, because you are away, the Insurers may wish to apply terms and conditions. This will relate to the security of the property and to other precautions to prevent loss, e.g. leaving the heating on to maintain a certain temperature to avoid burst pipes.

In order to arrange cover in this situation, you will normally have to arrange by phone, as most companies internet sites do not cater for this. Though having said this, there may be some specialist second home Insurance providers if you do a google for second home Insurance.

If you do arrange Insurance for the second home elsewhere, you should contact the main residence Insurers if the main home will be regularly unoccupied.

Huckster