A second home insurance policy will provide the following coverages:

Dwelling coverage – Covers the structure of your secondary residence against perils like fire, weather-related damage, and theft.

Other structures coverage – Covers additional structures on your property, including gardening sheds, garages, and boat docks.

Personal property coverage – Covers personal belongings in your second home, such as furniture, clothing, kitchenware, and more.

Loss of use coverage – Covers additional living expenses in the event your second home becomes uninhabitable due to a covered loss and you need to live somewhere else temporarily.

Personal liability coverage – Covers legal and medical expenses if you’re held legally responsible for someone else’s injury or property damage.

Medical payments coverage – Covers guests’ medical expenses if they sustain a minor injury on your property.

Second homes provide a respite from weekday life and may even be a good investment. However, they also present more of an insurance risk than your primary residence—the fact that you don’t physically occupy your second home frequently puts it in more danger of theft, vandalism, and easily undetected damage, like burst water pipes.

Ready to find the right coverage for your vacation home? Reach out to us, and we are ready to help you discover the coverage you need to ensure your second home is adequately protected.