Home Insurance for second homes in the UK & main residences
Whether you need Home Insurance for second homes in the UK; New Build Home Insurance; or Non-Standard Home Insurance, we’re here to help.
We offer Home Insurance solutions tailored to your property type. As experienced insurance brokers, we understand that every home and its contents are different. By using our expertise, you can be confident that your property is protected at an accurate and appropriate level.
In a world that lives online, choosing Home Insurance can be quick when you look through comparison sites, but does it really insure your property at the correct level? No two properties are exactly the same, which is why getting tailored insurance for your home is the most effective way of being properly protected.
Second Home Insurance
Home Insurance for second homes in the UK is a specialised type of property coverage designed to protect holiday homes, rental properties, and seasonal residences. Unlike main Home Insurance, these policies provide financial protection for properties that are not continuously occupied.
Policies usually include insurance for fire, storms, and liability for accidents that might happen on the property. However, many standard policies have specific exclusions for vacant properties, making a tailored policy even more important. Second home owners should consider additional protections which we can arrange:
- Unoccupied Property Insurance
- Liability Insurance for paying and non-paying guests
- Extended protection for personal belongings
Working with an experienced insurance broker like us can help you benefit from a tailored policy that protects against the specific risks of one of your most valuable assets – your second home.
New Build Home Insurance
New build homes can be great investments, and buying one is an exciting milestone. However, new build properties come with insurance considerations that differ from older properties.
One of the biggest advantages of New Build Home Insurance is the protection it provides during the initial years of homeownership. Most new homes come with a National House Building Council (NHBC) warranty or similar guarantee which covers major structural defects for up to 10 years.¹ However, this warranty is not a replacement for Home Insurance, which protects against a wider range of risks.
Insurance for new builds often includes specialised features:
- Coverage for high-spec fixtures and modern building materials
- Protection against potential construction-related defects
- Contents Insurance for new home furnishings
If you are buying a new build, you need to arrange insurance before moving in so that you have continuous protection from the date of completion. When you’re choosing insurance, you need to carefully review policy details, which we can help with. Look for New Build Home Insurance that addresses potential issues specific to these property types, such as:
- Incomplete infrastructure in developing areas
- Potential building settlement or construction-related problems
- Additional protection for new electrical and plumbing systems
Non-Standard Home Insurance
Non-Standard Home Insurance is a specialised type of protection designed for properties that don’t qualify for traditional Home Insurance. These unique homes need tailored protection that goes beyond the scope of standard insurance policies.
What makes a home ‘non-standard’?
Several factors can classify a home as non-standard, including:
Unique property characteristics
Homes with unconventional construction, historic properties, log cabins, mobile homes, or houses with significant structural modifications are usually considered to be non-standard. Older homes, those with outdated electrical or plumbing systems, or properties with non-traditional building materials often need non-standard coverage. Self-builds and eco homes also sit within the Non-Standard Home Insurance category.
High-risk locations
Homes such as coastal properties which can be exposed to extreme weather including high winds, floods and storms can fall into the non-standard category.
Features of Non-Standard Home Insurance
Non-standard policies offer several benefits. Policies can insure properties that have been constructed using unusual building methods and techniques such as modern eco homes or self- builds. Non-standard homes are often made from non-standard building materials, which a standard Home Insurance policy might not be able to accommodate.
How do we arrange your Home Insurance?
In a world that lives online, we’re bringing insurance back to the community.
We work with market-leading insurers to compare and secure competitive rates and the correct level of protection for your home. Our insurance brokers start the process by conducting a thorough assessment of your property, identifying potential risks and recommending appropriate insurance coverage. From standard Buildings & Contents Insurance to specialised protection for unique properties, we work to help you safeguard your most valuable asset.
Our brokers provide personalised guidance, explaining complex policy details in clear, understandable terms and helping you make informed decisions about your Home Insurance policy.
Should you need to make a claim for an insured event, your insurance broker will support you throughout the whole process, from start to finish. They will advise on which documents are needed and work with the insurer on your behalf towards a swift resolution.
Get in touch
Protect your most valuable asset today. Get Home Insurance on your new build, Second Home Insurance or Non-Standard Home Insurance that safeguards your property, possessions, and peace of mind. Use our expertise to understand your policy, and secure your family’s financial future with a tailored insurance plan.
To find out more, or to request a quote for your Home Insurance, contact one of our brokerages near you.
What Makes Us Different?
You’re a part of our virtuous circle of giving. This means when you take out a Home Insurance policy with us, it enables us to give even more to our communities.
As part of the Benefact Group, we’ve given to local charities including Libraries Unlimited, Hands Up For Down’s, Musical memories Choir, and Foothold Cymru.
Get In Touch
1. https://www.nhbc.co.uk/homeowners/what-does-buildmark-cover
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