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Second Home InsuranceYour vacation home can be an escape, a source of additional income, or even an heirloom to pass down to future generations. So you'll want to make sure it's as well protected as your primary residence. What's the difference?A homeowner policy for a second home is almost the same as a traditional homeowner policy. You'll just need to disclose to the insurance carrier the amount of time the home is occupied per year, and if the property is managed when you're not there. What's covered?For most people, a plan known as Homeowners Special Form—or HO-3—is the right choice. In plain English, that's simply a policy that covers damage to your second home and the personal property in it, just like a standard homeowner policy. It also includes liability coverage in the event a guest is injured in your home, you injure another person, or you damage someone else's property. A typical HO-3 policy covers things like:
What's not covered?Certain things are typically not covered by an HO-3 policy. This usually includes damage caused by flood, sewer back-ups, tidal waves, earthquakes, landslides and war. Depending on your own situation, you may want to add other types of coverage to your policy, such as: What's next?We work with top-rated insurance companies to create a policy that meets your needs and budget so you can feel confident you've got the best protection for your vacation home. Request a no-obligation Second Home Insurance quote now. See also:
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