Home insurance policy
Many people take out a home insurance policy on their second home without disclosing to the insurer that the property is not their main residence. This can be problematic because second home insurance has different terms and conditions to the policy on your main home and you might find that you aren’t covered when something happens.
As an example, many homes aren’t covered if they are unoccupied for more than 30 days. A normal policy might extend the time a little, but if you intend to leave your second home empty for a lengthy period, you may need specialised cover called non-standard home insurance. If you are planning to rent your property you can look for specialist landlords insurance on our website.