Second Home insurance

Your home is perhaps your most valuable possession.Whether you have a weekend cottage in the country or a seaside holiday flat you should be able to sleep at night without the worry that you have the best household insurance coverage available at a reasonable price. Alfa Insurance can help you with your peace of mind, knowing that in the event of an insured peril, your damaged home will be rebuilt and your destroyed /stolen belongings will be replaced. We have a number of insurers on our panel offering second home insurance policies which can be extended with additional options such as Paying Guests Cover for holiday rentals including loss of hiring charges and alternative accommodation and liability tailored to your needs.

  • Suitable for holiday rentals
  • Second Home Insurance can extend to cover paying guest insurance extension
  • Most types of property including listed and timber framed lodges
  • No age limit on property
  • UK-based support and claims teams
  • No Hidden Costs
  • Available to non-UK residents (insured property must be in UK)
Main policy features (see policy booklet for full cover)
Cherish Second Home Policy
Buildings insurance (optional)
Includes garages, outbuildings, perimeter fencing and swimming pools
£1 million
(option to increase)
Contents insurance (optional) £75,000
(option to increase)
Accidental damage included as standard Sum insured
Commercial Guest Extension Optional
– Loss of hiring charges 20% sum insured
– Employer’s liability £10 million
Paintings and works of art Optional
Up to £15,000
New for old replacement including suites if a replacement cannot be found Sum insured
Alternative accommodation 20% sum insured
Fire, flood, escape of water and oil* Sum insured
Subsidence, ground heave, landslip Sum insured
Storm or flood Sum insured
Theft Sum insured
Emergency entry Sum insured
Replacement locks £1,000
Frozen food Contents sum insured
Garden furniture, trees and plants £500
Contents in the open £1,000
24hr home emergency assistance and helpline £1,500
per call out
Family legal protection and 24hr helpline £50,000
Property owner’s liability £5 million
Public liability £5 million
Liability to domestic staff £10 million
Excess amount per claim** £100
Except: £350 escape of water and £1,000 subsidence

Why Choose Us

  • Personal Service
  • Option to Add Coverrs
  • Option to Add Terrorism Cover
  • Dedicated Claims Handler
  • Wide variety of cover Limits

What Client’s Say

Thank you for your help, I never need to look elsewhere as I know you always look after my interests 
This is a SUPERB deal…quality and price, THANK YOU EVER SO MUCH! Very very much appreciated..
Dav, Imperial Claims & Lettings
I would like to extend a special thank you for your excellent support. Is has been a great experience.
Thank You for the speedy reply and delivery of our documentation!
Its very refreshing to be able to ring and speak to the same person each time.
isaed, Isaed Plumbing