As the year draws to a close, many UK second home owners face a familiar decision: whether to welcome winter guests or close up the property until spring. Whichever route you take, preparation is key to keeping your home safe, warm and fully protected.
Winter brings extra risks – from burst pipes to storms and power outages – so it’s essential to plan ahead and make sure your winter holiday home insurance provides the most suitable cover.
Check your policy before the cold sets in
Before you do anything else, review your current holiday home insurance policy. Holiday and second home insurance differs from standard home insurance cover because your property may be unoccupied for extended periods or used by guests.
Some policies specify conditions during cold weather – for example, keeping the heating at an ambient temperature and/or draining down the water system.
It may also be a condition of your second home insurance cover that you carry out regular, logged inspections of the property, so that any damage or maintenance issues can quickly be nipped in the bud.
If your second home will be empty for weeks or months, check how long it can be left unoccupied before your cover becomes restricted.
Understanding these requirements – your obligations under the policy and its unoccupancy status – helps you stay compliant and prevents problems if you ever need to make a claim. If you are unsure as to any of these points, always speak to your insurance broker – they will be very happy to clarify.
Further reading: Winter and your unoccupied main or holiday home: what insurers expect.
Protect against frost, storms and damp
Winter weather can be unpredictable. From strong winds and driving rain to heavy frost, it’s important to keep your second home resilient against the elements. Start with simple checks:
- clear gutters and downpipes so that rainwater drains freely;
- inspect the roof for missing tiles or loose flashing;
- trim back overhanging branches that could fall in a storm;
- ensure vents, extractor fans and trickle vents are open to prevent condensation.
If your property is in a coastal or rural area, salt air and exposure can accelerate wear and tear. Keeping on top of exterior maintenance, including repainting and sealing, helps prevent minor damage turning into a major issue.
Keep an eye on your property remotely
Even if you don’t live nearby, there are now many ways to monitor your second home. Smart security systems, cameras and leak detectors can alert you to problems before they escalate.
Alternatively, consider appointing a trusted local contact or keyholder. They can carry out periodic checks, forward mail, and ensure the property looks lived in – a useful deterrent against burglary. Make sure to record each visit, as insurers often require evidence of inspections for unoccupied homes.
Our blog – How to manage a UK holiday home from a distance – goes in to more detail.
Prepare for guests – or a peaceful winter closure
If you’re opening your doors to winter guests, make sure the property is safe and comfortable. Test smoke and carbon monoxide alarms, check heating systems, and provide clear instructions for appliances. Ensure all safety certificates (gas, electric, fire) are current.
If you’re closing up for the season, take time to tidy and secure the home. Unplug non-essential electrical items, remove perishables, and make sure doors and windows are locked. Draw curtains or blinds to give a lived-in appearance.
Peace of mind through preparation
Whether you’re welcoming family for Christmas or locking up until spring, preparing your second home for winter is one of the most important ways to protect your investment. A few hours spent checking heating, water and security can prevent months of inconvenience – and costly repairs.
Your insurance is there to provide reassurance, but it relies on the right precautions being in place. So, before the first frost arrives, review your winter holiday home insurance, carry out your safety checks, and enjoy the season with complete peace of mind.
Further reading:
Protecting your empty property over winter
Winterproof your investment property
Disclaimer: This article provides general information only and does not constitute legal or financial advice. Policy terms, conditions, features and benefits can vary among providers. Always check your own policy wording or speak to your insurer or broker for specific guidance.
