Vacation Homes

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What Is Vacation Home Insurance?

Whether it’s in the mountains, on the beach, or somewhere in between, having a vacation home can be a wonderful experience. However, because you are not always there to watch over it, having a vacation home presents more risks than standard homeownership.

What It Covers:

Bundling can save you money - You will generally get better pricing if you “bundle” your insurance on your vacation home with the insurance protection on your main residence. In many cases this can mean a savings of up to 5 or 10 percent. If you own multiple properties ask us about “package policies,” which are designed to handle multiple residences, your cars, boats as well as umbrella liability coverage.

Condos - Many second homes, especially if they are located in a resort area are condominiums. From an insurance standpoint the master policy of the homeowners association generally covers many of the risks. However, you are generally responsible for your unit and its contents as well as liability for accidents inside of your unit. We are happy to further explain specialized protection for condos.

Renting your second home - Many second home owners choose to rent their properties out, either short term, or for extended periods of time. It is important to note that this may increase the premium on your insurance. The reason is having strangers in your home creates a higher risk than having owners there. On the flip side, having the property occupied is often better from a risk standpoint than having a vacant property. That is why it is important to discuss your individual situation with us, so that we can provide the right protection for you.

Why You Should Have Vacation Home Insurance

You want your retreat to free you from worry – not cause you worry. Having vacation home insurance can set your mind at ease and allow you to spend the time away from your second home knowing you have something in place in case the unexpected occurs.