What is Secondary Home Insurance?

A secondary home, also known as a vacation home, can provide a much-needed escape from the daily grind. Whether you own a beach house, mountain cabin, or a lakefront property, it’s important to have adequate insurance coverage for your secondary home.

Here are some important things to know about secondary home insurance:

Coverage for Secondary Homes is Different from Primary Homes

While both provide coverage for your property and personal belongings, secondary home insurance usually offers fewer coverage options and higher deductibles.

Protection for Natural Disasters

Most secondary home insurance policies cover natural disasters such as hurricanes, earthquakes, and wildfires. However, it’s important to check with your insurance provider to ensure that you have the necessary coverage for the specific risks in your area.

Protection for Liability

Secondary home insurance also provides liability coverage in case someone is injured on your property. This can include coverage for medical expenses and lawsuits, making it an essential component of any secondary home insurance policy.

Coverage for Renters

If you rent out your secondary home, your insurance policy should include coverage for liability in case of injury to a tenant or their guests.

Cost of Coverage

The cost of secondary home insurance will depend on several factors, including the location of your property, the value of your home, and the amount of coverage you require. To get the best rates, it’s important to compare quotes from different insurance providers.

Get Coverage Today!

The Satanoff Agency, located in Wayne, PA, is an independent insurance agency based in 41 states across the United States, working to supply our customers with quality assistance and insurance. Our independent agents offer their services to help you as the customer get the unique coverage you need.

To request a quote for secondary home insurance, click here and we will have one of our agents contact you.