Secondary Home Coverage

Get insurance coverage for your secondary home with ease. Understanding insurance for a vacation property can be challenging, but here are a few essential tips and factors to consider.

Note that the definition of a secondary home or a seasonal home may vary between insurance providers. Ask us for clarity. Typically, a secondary home is one that is occupied only for short periods while a seasonal home is only used during specific times of the year.

The fundamentals of vacation home insurance are similar to homeowners insurance. However, there are two key differences to be aware of. Firstly, a vacation home is often unoccupied for extended periods, increasing the risk of theft, fire, or flooding. Secondly, insurance coverage limits are usually lower for seasonal or secondary homes as you typically keep fewer and less valuable belongings in a vacation property, especially when it’s unoccupied.

To ensure you get the right coverage at a fair price, it’s crucial to invest time in finding a vacation home insurance policy that meets your specific needs. Let us help you make an informed decision.