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Find the perfect quote to insure your Summer home
As you lock up your Summer home on the last day of your holiday, have peace of mind knowing your insurance will protect your property and its contents whilst you’re away. We’re here to help you insure your Summer home, providing you with the information you need to choose between insurance quotes.
Does standard home insurance cover a Summer home?
Standard home insurance won’t offer your summer home quite enough cover. One of the key differences between a main residence and a Summer home is that the latter is left unoccupied for longer periods of time.
An unoccupied home is viewed as a greater insurance risk, so you need a policy which covers this additional risk. This is where Summer home insurance comes in.
Is second home and Summer home insurance the same thing?
Yes, Summer home insurance is a type of second home insurance. Both are policies taken out for a house which isn’t your main residence.
What cover do I need for my Summer home?
To make sure your Summer home is fully protected, you need cover for your building and its contents. Since this isn’t your main residence, you’ll need enough cover for the periods when the house is unoccupied.
If you rent your summer home out to friends, family, or members of the public, then you’ll also need public liability insurance.
What sort of properties are covered by Summer home insurance?
Be it country cottage, townhouses, mansion, or more, Summer home insurance offers your property protection. Lodges, log cabins and ski-apartments in the mountains may need extra protection due to their unique features, though, as they can be more vulnerable to fire damage or avalanches.
My summer home has leisure facilities. Will these be covered by summer home insurance?
If your summer home grounds feature a pool, tennis court, hot tub or outbuildings, you’ll want to make sure your insurance protects these too – especially if your rent your property out.
Cover for these doesn’t always come as standard, but most insurers will allow you to add this cover on.
My summer home is used exclusively as a holiday rental property. Is summer home insurance right for me?
No, not necessarily. An insurer may advise you to choose landlord insurance instead.
Why is my summer home insurance so expensive?
Unoccupied houses are at a higher risk of theft, vandalism, squatting, and water damage. To mitigate this extra risk, insurers charge more for homes which sit empty for longer periods.
Increasing your security measures can help to bring costs down.