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Secondary Home Insurance with Our Insurance Agency

Protect Your Vacation Home

Secondary Home Insurance Provided By Our Agency

Whether you have a mountain cabin, a lake house, or a beach cottage, your vacation home is a special place that needs protection. Whether it's used for weekend getaways or as a seasonal retreat, safeguarding this asset is crucial. Talk to Our Insurance Agency to learn about various coverage options.
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Secondary Home Insurance

Importance of Secondary Home Insurance

Second homes offer a retreat from daily life and are valuable investments. However, they also present a higher insurance risk than primary residences. Infrequent occupancy of a second home increases the risk of theft, vandalism, and unnoticed damages, such as burst water pipes.

Types of Secondary Home Insurance Coverages

Dwelling Coverage

Protect your secondary home's structure against fire, weather-related damage, and theft.

Coverage for Additional Structures

Includes protection for structures on your property, like gardening sheds, garages, and boat docks.

Personal Property Coverage

Safeguards the furniture, clothes, cookware, and other possessions you have at your second residence.

Coverage for Loss of Use

Covers additional living costs if a covered loss renders your second home uninhabitable and forces you to relocate temporarily.

Insurance for Personal Liability

Pays for medical and legal costs should you be found accountable for another person's harm or property damage.

Medical Payments Coverage

Covers medical expenses for guests injured on your property.

Reach out to Our Insurance Agency at 281.580.8554, to find the right coverage for your vacation home. We help you discover the coverages needed to protect your second home. Contact us today!

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Longer vacancy times
Increased threat of theft
Environmental perils
Potential Guess issues
Property in your vacation home

Longer vacancy times coverage

Risk Factors

When a house isn’t your primary home, more often than not, it’s left unoccupied. Empty houses carry a higher risk of unreported (or late-reported) dangers, like leaks, fires, and vandalism.

Solution

The house owner should consider secondary home insurance to cover any unexpected perils.

Increased threat of theft coverage

Risk Factors

Houses that are even temporarily unoccupied carry a greater risk of theft. If you’re renting the home out to guests for part of the year, visitors may also pose a risk.

Solution

The house owner should consider secondary home insurance to cover any theft-related property loss.

Environmental perils coverage

Risk Factors

The features you appreciate most about your vacation home, like the waterfront view or resort location, could increase the chances that your property is affected by a natural disaster, like a hurricane, earthquake or wildfire.

Solution

You may need to purchase additional insurance coverage to protect the structure and your belongings from these types of disasters. Secondary home insurance can be opted for the same.

Potential Guest issues coverage

Risk Factors

Do you like to host guests on your property? There can be possibilities where a drunk guest injures himself or damages your neighbor’s property.

Solution

Liability insurance is included in the policy you purchase for your secondary home and protects you from accidental bodily injury to another person or damage to their property. It’ll help cover medical expenses, legal fees if you’re sued, or paying for the damage you cause to another person’s property.

Property in your vacation home coverage

Risk Factors

You work hard for everything that makes your secondary home a comfortable and entertaining place to visit. However, if any of your property is damaged, you need to pay the repair costs from your pockets.

Solution

Personal property coverage is one way to ensure you’ll have the means to repair or replace them if they’re damaged by a covered loss, such as theft, fire, lightning, and more.

At Our Insurance Agency, we are committed to providing our clients with the best secondary home insurance coverage and exceptional customer service. Contact us today to learn more about our coverage options and get a quote. Protect your investment property with Our Insurance Agency.

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