Why do you need Second Home Insurance?
It’s not your main property and it’s sometimes left vacant. If something goes wrong it might not be noticed for a period of time and this increases costs. You should have bespoke cover in place which can provide flexible terms.
A second home is at higher risk of theft, vandalism and water damage due to burst pipes. It’s important to have a high trace and access level of cover.
A standard insurer will restrict cover when a home is unoccupied for more than 30 or 60 consecutive days a year but a non-standard insurer will allow for longer periods of unoccupancy.