In insurance, homes are classed by how they're used. Your main home is where you live most of the time; a second home (or holiday home) is one you don't usually live in and that sits empty for a good part of the year.
That's why, for insurance purposes, it's treated differently from your usual home. You can have several second homes, but only one main home.
Yes. Burglary isn't the only reason to take out second home insurance: it can also cover repairing the lock and other damage and, depending on your cover, compensate you for stolen contents.
You're also still responsible for any damage your home causes to others, even when you're not there. Civil liability protects you in those cases.
On the size of the house, what it's built from, whether it's in or outside a town, and the cover you choose. With Lovys you work out your personalised price and adjust it to your needs.
Of course! Lovys is a French insurtech operating in Spain since 2021. We create the product (here, second home insurance), offer the policies and handle the claims, backed by the financial strength of Wakam, our insurer. Want to know more? Write to us at support@lovys.com.
Our second home insurance starts at €5.50/month. The final price depends on your home and the cover you choose: get your personalised quote in 2 minutes.
Nothing could be easier. Click “Get a quote” and fill in the details: it won't take more than 2 minutes.
If you decide Lovys is for you, once you sign up and your policy is active, you can check your documents any time in your client space.
The first payment is made straight away, by credit card. After that, you can change your payment method from your client space.
We believe your freedom as a customer comes first: that's why our second home insurance is paid month by month.
The difference between our plans is how much cover they offer. You can start insuring your holiday home from €5.50 a month and, at the end of your purchase, add the assistance pack you prefer (Basic, Essential or Comfort).
The Basic assistance pack is included in all 3 plans at no extra cost.
