This is a guide for second home owners looking for second home insurance for their cottage, house, apartment that they let out for holidays and weekend breaks. We hope this guide is helpful for finding information and companies providing second home insurance.

It is imperative if you have a second home in the UK that you have adequate insurance cover and buildings insurance is normally required if the home is mortgaged as the mortgage company would insist on this.

Holiday Home Insurance policies covering buildings and contents are offered by many insurance companies and like any insurance policy you need to check you have the right cover for your circumstances especially if your second home is left unoccupied for long periods at a time and what your responsibilities are when it is left unoccupied eg lagging of water pipes or leaving heating on to maintain a certain temperature. The security of your property can also be an issue and types of door locks and window locks and securing of the property to adhere to the insurer's requirements all need to be addressed when choosing your policy.

Do compare prices and check that if the policy is cheap it provides the same level of cover and does not exclude the requirements you need or that can be found in a more expensive quote. Most policies include an excess charge and you can reduce the cost of your policy by opting for a higher excess charge. Another way to reduce the cost would be to pay the premium in one go rather than opt for monthly payments which would normally incur interest charges.