A Guide To Reducing Risk To Your Second Home

We have several markets available to us to ensure that your property has the levels of cover required to restore it to its former glory if the need arise. But there are some measures you can take to reduce the risks yourself:

  • See if there is a local trusted person (letting agents, estate agents or even a local gardener might provide this service) that can keep an eye on the property for you. Ask them to remove any post, ensure that there is no rubbish lying around, check for break-ins and any other damage such as burst pips or broker windows. They may even be kind enough to put the heating on for you before you arrive at the property!
  • Fit a highly sensitive smoke detection system. Many fire claims, and indeed lives lost, can be reduced if only smoke detectors had been fitted.
  • Catching a fire at the very early stages when perhaps something is just overheating or smouldering can save not only lives, thousands of pounds, but also the fabric of your home.
  • Ensure you have suitable fire-fighting equipment to hand such as fire blankets and extinguishers.
  • Make sure water pipes are well lagged.
  • Review your properties security and think about the installation of an intruder alarm, outside lighting and surveillance. Also think about the level of physical protection such as good quality deadlocks on all external doors and windows. Your local Police or a security professional would be able to advise you on the most appropriate methods.
Safety Checklist

Guards for open fires

Smoke detectors fitted

Heating regularly serviced

Chimneys swept

Pipes properly lagged

Know where main stopcock is

Burglar alarm

Call-in organised when away

Neighbourhood watch member

Valuable items in safe deposit

Outbuildings properly locked

Tools locked away

Bicycles locked up

Ladders chained up

Exclusions and limitations apply.


We Can Cover:


We can also cover log cabins, kit homes, Wimpey no-fines houses and homes with flat roofs