Secondary Home Insurance

Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.

Secondary Home Insurance

Protect your slice of paradise and all its treasures with secondary home insurance - the key to worry-free getaways.
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Secondary Home Insurance

Owning a second home can be an excellent investment opportunity, whether you use it as a vacation home or rent it out as a rental property.

However, like any other property, a secondary home requires proper insurance coverage to protect it from unexpected accidents, damages, and liability issues.

At Our Insurance Agency, we offer comprehensive secondary home insurance policies specifically designed to meet the unique needs of property owners. Our policies cover everything from property damage and liability issues to personal property coverage and loss of rental income. We understand the importance of protecting your investment property and offer customizable coverage options that fit your specific needs and budget.

Types of Secondary Home Insurance Coverage

Property Damage Coverage

This coverage protects if your property is damaged due to fire, theft, vandalism, or other covered perils.

Liability Coverage

This coverage provides protection in case you are found responsible for causing injury or damage to someone else while on your property.

Personal Property Coverage

This coverage protects your belongings inside the secondary home, such as electronics, appliances, and furniture.

Loss of Rental Income Coverage

This coverage protects lost rental income in case your property is damaged and unable to be rented out for a period.

Flood Insurance

Depending on the location of your secondary home, you may need additional flood insurance coverage to protect against flood-related damages.

Benefits of Secondary Home Insurance

Protects your investment
A secondary home can be a significant financial investment, which is why insurance coverage is essential to protect your investment.
Provides peace of mind
With comprehensive insurance coverage, you can know that your property is protected from unexpected accidents and damages.
Meets lender requirements
If you have a mortgage on your secondary home, your lender may require you to have insurance coverage to protect your investment.
Covers personal belongings Secondary home insurance policies can provide coverage for your belongings inside the home, which can be essential in case of theft or damage.

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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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