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Whether it's a seaside cottage or a little cabin somewhere remote, quite a number of South Africans own a second home and the risks associated with it are quite often unique.
We've put together a few things to bear in mind when insuring a second home.
Can one policy cover two homes?
At Santam, you can insure your main residence, holiday homes as well as any other residences under one insurance policy.
In each case, you will need to provide information pertaining to the relevant risk such as:
The insurance risks of a second home
Always bear in mind that regardless of whether the home is your primary or secondary residence, most insurance companies will have the following conditions when it comes to insuring your second home.
Insurance cover may be restricted in the case of tenants in your second residence but a typical exclusion would include malicious damage to your property.
Tips for insuring a second home
For more information about insuring your home (or your second residence), please click on building insurance and house contents.
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