Holiday and Second Home Insurance

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who specialise in protecting your assets.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who specialise in protecting your assets.

Holiday and Second Home
insurance

If you own a holiday home or a second home, we can help you get the specialist insurance cover you need at a competitive price.

What is Holiday and Second Home Insurance?

This is specialist cover for holiday homes and second homes, tailored to cover the unique risks associated with leaving properties unoccupied for extended periods. A holiday home or second home insurance policy will cover your property whether you exclusively use it yourself, or you let it to guests, or both.

Get an insurance quote
Please get in touch with us to discuss your needs. We are here to help you.
You can call any of the team on 03330 111998 or email:
New Business: PLNEW@jameshallam.co.uk | Existing Business: PLExisting@jameshallam.co.uk

Why you need specialist holiday home insurance

A standard home insurance policy will not give you the cover you need for second homes and holiday homes. This is because most home insurance policies will only cover occupied properties. The policy will be void if the property is left unoccupied for longer than a specified period, which is usually between 30 and 60 days.

There are multiple risks associated with leaving properties unoccupied for extended periods. For instance, if there is a leak from a burst pipe and nobody is around to address the issue, it could lead to severe water damage. Thieves and vandals may also be more likely to target unoccupied properties.

On top of all this, a standard home insurance policy will not cover you for the risks associated with letting your second home or holiday home to guests. Only a specialist holiday and second home insurance policy will cover your property while it is unoccupied; while also providing specialist cover should you decide to let your property.

What holiday and second home insurance covers

Holiday and second home insurance can cover costs arising from:

  • Forced entry, vandalism, and malicious damage
  • Theft
  • Escape of water
  • Severe weather events, including flooding
  • Subsidence
  • Structural damage

Holiday and second home insurance can also include property owners liability cover. If you decide to let your property to guests, this will cover any accidents or injuries they may sustain while staying at your property.

Contents only holiday home insurance

It is also possible to get a contents only holiday home insurance policy. This form of cover can be useful if you store any valuable items in the property. The policy will usually specify a cover limit, and it will cover you for repairs or replacements following loss, theft, or damage.

Insurance for holiday homes overseas

You will also need specialist cover if your holiday home or second home is located overseas. We can tailor this cover to meet any unique risks associated with the area, such as high temperatures or extreme weather conditions. And once again, the policy can provide dedicated cover should you choose to let your property to guests.

Why choose James Hallam for your holiday and second home insurance?

James Hallam is an independent Lloyd’s broker with extensive experience in helping individuals protect their assets. We will take the time to understand your property portfolio, before helping you access the specialist cover you need at a competitive price.

Meet your team leaders

Clare Kerr

Divisional Director
T: 01387 272620
M: 07714 135620
Email Clare

Claire Moore

Team Manager
T: 03330 111998
M: 07714 137001
Email Claire

Testimonials

I am writing to say how impressed I was with your Trainee Account Handler. Every time I rang she was pleasant, helpful and efficient – a credit to your company.

It was very refreshing in this day and age to have the phone answered by a cheerful and friendly person instead of a recorded message!

Mrs Martin

Private solutions

Personal lines

High net worth

Beach hut

Sheperd’s hut

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Clare Kerr

Divisional Director

Clare joined James Hallam in 2022 as a team manager and was more recently promoted to Divisional Director for the newly formed Personal Lines Division taking on responsibility for the whole personal lines business.  Previously Clare worked for a local independent broker for 21 years dealing with all aspects of general insurance.  Clare is extremely passionate about general insurance and ensuring that our clients existing and new receive great service and advice.

T: 01387 272620
M: 07714 135620
clare.kerr@jameshallam.co.uk

Claire Moore

Team Manager

Claire joined James Hallam in January 2023 as a team manager for our specialist team that handles beach huts, shepherds’ huts, holiday homes and other specialist areas in Personal lines. Claire previously worked for a leading direct insurer for 18 years, where she managed a large personal lines team and spent 3 years working in learning and capability aspect, so has a passion for building and developing her team to deliver the best possible customer experience.

T: 03330 111998
M: 07714 137001
Claire.Moore@jameshallam.co.uk

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