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Secondary Home Insurance

If you’re considering the purchase of a second or seasonal home, there’s no shortage of options to consider. Don’t overlook homeowners insurance in your decision-making process to protect from unexpected financial risk or loss.

A beach home from the beach.

Homeowners insurance can cover the costs of damages and losses resulting from burglary, fire or other unforeseen incidents. Homeowners insurance covers your secondary or seasonal home, as well as your possessions inside it.

Coverage should replace possessions at today’s costs

Homeowners insurance for your secondary or seasonal is intended to repair or replace your home if a covered event occurs. But inflation can cause the prices of materials to rise, and new building codes that have taken effect since your home was built can increase the costs of rebuilding. Make sure your secondary or seasonal homeowners coverage will replace your home at today’s costs.

Coverage costs can depend on usage

The coverage and cost of secondary or seasonal homes may depend on how you plan to use your home. Do you plan to rent the home? If so, consider Loss of Rents coverage.

Re-evaluate coverage on a periodic basis

You’ll want to re-evaluate your insurance coverage on a regular basis to be sure the coverage is meeting your needs.

Notices & Disclosures
Article is adapted from content provided by DTS.

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