If you own a second home, whether a cabin in the woods or a tropical beach house, it should have the same insurance protection as your primary residence. In fact, many second homes need even more coverage because they are at risk of weather-related damage or may remain vacant for much of the year, making them susceptible to frozen pipes, animal infestations, or break ins.
In this instance a second home insurance policy is the right solution. Like a regular homeowner policy, this type of insurance covers the structure and everything inside it in the event of fire, storm damage, vandalism, and theft. If your second home is in a high risk area for hurricanes or earthquakes, you may need another policy to cover those contingencies.
When talking to an insurance agent about a policy for your second home, they will ask questions like:
While you can’t insure your second home on the same policy as your primary home, you may be able to package two policies together for greater convenience and possible cost savings. You might also be able to bundle in vehicle or boat coverage.
You should consider not just insuring whatever property is present at your second home but also covering yourself for liability. For example, if local kids get hurt while clowning around and using your swimming pool in your absence, you could be held responsible.
If you rent out your second home, even occasionally, you may want to get a vacation rental property insurance policy for added coverage. That way, if someone is injured on your property, if someone damages the property, or if anything is stolen, you are covered.
All of these options can be discussed with our agents at Canyon Pacific Insurance Services by calling 760-324-4100 today. We’ll set you up with the right second home policy for your situation, so you can relax knowing you’ve got the coverage to protect your property and your personal assets from liability. Don’t wait until you have a problem--reach out now and get the peace of mind you deserve today.