Secondary Home Insurance

Our Second Home Coverage:

Here are some general principles and things to think about when purchasing insurance for a property that is used as a vacation home rather than your primary abode.

Ask us about it if you have any questions because the specific definition of a seasonal and secondary residence might differ from insurer to insurer. There are primarily two sorts of holiday houses. A secondary residence is one that you only use sometimes. A seasonal house is one where you may remain for a longer period of time, but only during specific seasons.

Homeowners insurance and vacation home insurance both operate under the same broad principles. There are two variations, though. One of these is that a vacation house is more likely to be left unattended for long stretches of time, which raises the danger of burglary as well as the risk of and possible damage from fires or flooding.

On the other hand, coverage limitations at a summer or secondary home will frequently be smaller because you are likely to store fewer and less costly belongings there, especially while it's unattended.

These two reasons make it well worth your effort to search for a vacation home insurance policy that offers you the precise protection you want at a reasonable cost. We'll provide some direction.