Can I have two home insurance policies?
If you have more than one home, yes. Each property you own needs its own insurance policy, because each home is different. Either they’re constructed out of different materials, or the risks in the local area are different.
Why do you need a different type of policy for second home insurance?
Even if you visit your second home regularly, you live in it for a lot less of the time than your main residence. This means there are certain additional risks.
For instance, a home that’s often unoccupied can be more attractive to thieves. What’s more, if anything goes wrong, like a broken window or a burst pipe, you might not be around to catch it early – meaning the repair bill could be much higher. Insurers take account of that in the premiums they offer you.
Can I insure a house I don’t live in?
Yes you can, though you’ll need an insurance policy for unoccupied homes rather than a second home insurance policy.
Do you need special insurance for listed buildings?
What makes somewhere your ‘main residence’?
Everyone’s situation is different, but in law you must have a main residence. There are a few considerations for deciding on what constitutes this, including:
- Where you live for longest
- Where your family lives for the longest
- Where you are registered to vote and pay tax
- Where you keep your personal possessions
Is it more expensive to insure an empty house?
Yes, because there are many more things that can go wrong in a house that’s empty for a while. A burst pipe over winter can cause massive repair bills if you don’t see it for six months, for instance.
Houses need constant maintenance, and your insurance policy will reflect the additional potential costs.
What optional extras can I get for second home insurance?
As with all home insurance policies, there are plenty of additions you can include in your policy for a small surcharge. The most popular include the following:
- Accidental damage: This will cover damage to possessions caused by human accident
- Legal expense cover: This will cover legal expenses incurred by something going wrong in your home that affects someone else, including leaks and subsidence
- Home emergency cover: This covers the cost of emergency call-outs to fix problems with your utilities, including plumbing, heating and electricity
- Garden insurance: This specifically covers your garden, and the plants, ornaments and furniture you keep there
- Garage insurance: Garages are often full of valuable tools and equipment, and a specific policy can be useful peace of mind
- Shed insurance: Likewise, sheds tend to be full of expensive kit and a separate policy might be a wise idea
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