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Second home Insurance.

We offer bespoke Second Home Insurance designed to protect your additional properties, whether they’re holiday homes, weekend retreats, or overseas residences.

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Our solutions

clear, transparent,
and easy to navigate

Our experienced team works closely with you to understand the unique risks associated with second home ownership and provide tailored solutions that offer complete peace of mind.

Whether your second home is a countryside cottage, a coastal villa, or a city apartment abroad, we recognise that standard insurance often falls short when properties are left unoccupied or used seasonally. That’s why we make the process clear, transparent, and easy to navigate, so you feel confident and supported at every stage.

BESPOKE SOLUTIONS

cover that goes beyond the basics

Our High-Value Property Team offers specialist cover that reflects the lifestyle and expectations of second homeowners. This can include protection during periods of unoccupancy, Worldwide Contents cover, and flexible options for short-term letting or staff accommodation.

Furthermore, our dedicated in-house Claims Team help ensure that if the unexpected happens, you’ll speak directly with people who understand your policy and priorities, not a third-party provider. Ultimately, our goal is to deliver peace of mind through expert service, personalised support, and comprehensive protection for your second home.

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Cover available

What types of second homes are covered?

We understand that standard Home Insurance often doesn’t provide the protection second homes truly require. That’s why our High-Value Property Team delivers tailored insurance solutions designed specifically for second homes, holiday properties, and their unique risks. We offer cover for a wide range of second home types, including but not limited to:

UK holiday cottages
Overseas villas
City apartments
Coastal homes
investment properties
Countryside escapes

Not seeing the cover you need?

We support a wide range of property risks, so if your specific requirement isn’t listed, our team will work with you to identify and arrange the right protection for you.
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Special features

What special features can be included on a second home insurance policy?

Second homes deserve the same level of protection as your primary residence, if not more. Whether it’s a countryside retreat or a coastal escape, our Second Home Insurance policies are designed to reflect the unique risks and lifestyle considerations that come with owning an additional property. With tailored features and flexible cover, you can enjoy your second home with confidence.

Protection that adapts to how often your second home is used, whether it’s occasional weekends or extended stays.

Safeguards your home during vacant periods, including protection against theft, vandalism, and weather damage.

Ensures valuable items kept in your second home are protected, even when taken abroad.

Optional protection for when your second home is used for holiday rentals or hosting guests.

Rapid response for urgent issues like burst pipes or storm damage, even when you’re not on-site.

Provides temporary housing if your second home becomes uninhabitable due to an insured event.

Includes garages, sheds, studios, and guest annexes within your second home’s grounds.

Protection for landscaping, patios, hot tubs, and other outdoor investments.

Recognises and supports advanced security and automation systems installed in your second home.

Specialist protection for homes in coastal or rural areas prone to extreme weather.

Cover during improvement works, including structural upgrades and routine maintenance.

Why choose tysers

specialist expertise and tailored solutions

When it comes to protecting homes valued over £1m, we offer specialist expertise and tailored solutions that reflect the lifestyle and expectations of private clients. To begin with, our team understands the complexities of insuring exceptional properties, whether in the UK or overseas. As a result, you benefit from comprehensive protection, personal service, and complete peace of mind.

  • Specialist Cover for Homes Over £1m – Including second homes, overseas residences, and investment portfolios.
  • Access to High-Net-Worth Insurance Markets – Bespoke solutions from leading insurers with experience in complex risks.
  • High Value Contents Insurance – Protection for fine art, antiques, jewellery, and other valuable assets.
  • Valuations & Appraisals – Arranged on request with trusted insurer partners to help ensure accurate cover.
  • Preferred Supplier Network – Includes security consultants, safe installers, and surveyors with HNW expertise.
  • Confidential Personal Service – Discreet, professional support tailored to your individual needs.
  • Dedicated Client Director – Your single point of contact for advice, renewals, and ongoing support.
  • In-House Claims Team – Experienced professionals who understand your policy and act quickly when needed.
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FAQs

Frequently asked questions

Our Second Home Insurance FAQ’s cover everything you need to know about protecting a property that isn’t your primary residence. Learn whether you need a separate policy, what cover is available for UK and overseas properties, and how specialist insurance can safeguard your second home during periods of unoccupancy, helping you protect both your property and peace of mind.

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Yes, second homes typically require a separate insurance policy. Standard Home Insurance often excludes properties that are not your main residence, especially if they’re left unoccupied for extended periods. A dedicated Second Home Insurance policy provides tailored cover for risks such as theft, weather damage, and liability, helping make sure your property is protected even when you’re not there.

It can cover a wide range of risks, including buildings and contents protection, damage from storms or floods, theft, vandalism, and liability. Whether your property is in the UK or overseas, policies can be tailored to include Unoccupied Home cover, short-term letting, and protection for valuable contents. We can also offer Worldwide cover for holiday homes and investment properties.

With the right Second Home Insurance policy, your property can be covered during periods of unoccupancy. This includes protection against risks such as burst pipes, break-ins, and weather-related damage. We can offer flexible options to suit your travel schedule and help ensure your second home remains protected even when vacant.

 

 

More Info?

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DOWNLOAD OUR BROCHURE

Download our High-Net-Worth Private Clients Insurance Brochure here.