A vacation home should be a place to relax and get away from the rigors of everyday life. But without vacation home insurance, what would happen if your home were destroyed in a fire? Or if a snowstorm caused severe damage? Learn about vacation home insurance and protect your home today.Compare homeowners insurance quotes from leading companies and save.
How Does Vacation Home Insurance Work?
Like standard home insurance, vacation home insurance protects your home and possessions against the following perils:
Vacation home insurance also offers liability insurance to cover losses stemming from a slip-and-fall incident, dog bite or other accident occuring on your property.
Things to Consider
Getting vacation home insurance creates unique challenges. If your vacation home resides in an area with severe weather concerns, you need enough coverage to provide for those concerns. For instance:
Vacation home insurance may cost more than the policy for your primary residence. Since you don't live in your vacation home year-round, the unoccupied home is more susceptible to burglars, and damage caused by storms or thieves may not be noticed for months, leading to a whole host of other issues.
To keep your insurance costs low, it may be worthwhile to look into the following discounts:
Whether you're buying a cabin in the Pacific Northwest or a beach cottage in North Carolina, make sure your vacation home
insurance provides adequate coverage. Getting the right amount of insurance is the best way to keep your
home protected. You can compare home insurance quotes for free using InsWeb's quote form.