Second & Holiday Homes

A second home is a different risk from the house you live in: it stands empty for weeks, it is checked by someone else, and it is sometimes let. The insurers that write holiday homes properly treat it as a distinct risk, and the conditions on unoccupancy, keyholders and letting are where policies differ most.

We work with holiday homes in Portugal and Spain with a rebuild value from €500,000. The articles below cover what changes when a second home is let, how unoccupancy clauses work, and how valuables kept in a holiday home should be insured.

Looking for a quote rather than a read? See our holiday home insurance page.