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Bill Quickel's - Insurance Plus Agencies Inc. Blog

How to Choose a Home Insurance Policy for a Vacation Home

1/15/2020

8 Comments

 
Picture
​According to experts, the best investment that one can make is often real estate. This is particularly true when the housing market is thriving. When one invests in the market, there is always the chance of loss. Therefore, many investors choose to buy a second home to rent out to other people or for vacation. If you want to buy a vacation home, you should buy a home insurance policy for it. Here is some information about how to choose a home insurance policy for a vacation home.
Getting Second Home Insurance
If you are buying a vacation home, the first thing you should do is take a look at your homeowners' policy to see if it covers additional homes. If your current policy does, you may be able to extend the liability to protect an additional home.

However, in most cases, the best choice is to buy a second home insurance policy to protect the contents and structure of your vacation home. Some homeowners choose to use the same insurer for both their year-round home and vacation home. Therefore, the insurer can advise them on the best course of action.

Keep in mind that vacation homes are frequently viewed as riskier to insure than primary homes. Therefore, you may end up paying a higher price for insurance for your vacation home than your primary home. You might also need more-specific coverage.

Second Home Insurance Cost
Most home insurance companies increase premium costs by a certain percentage for second homes. You will probably end up getting a discount if you get a second policy with the same insurance company, however. The reason for this is that many insurance companies offer discounts for multiple policies.

Be sure not to make the mistake of buying a policy and claiming that the policy is for a primary home rather than a vacation home. In the event that you have to file a complaint, the home insurance company will likely discover that the home is a vacation home and not a primary home. The insurance company could deny your claim as a result. That’s because the home might qualify as a vacant property, which might not have coverage under a standard home policy.

There are several other ways you can save on vacation home insurance. If you have a full-time caretaker live in your vacation home while you're not living there, you can get a discount. Installing a security alarm could also decrease the amount of your home insurance policy. However, it is possible that you will spend more on subscription fees than you save. Anything that will prevent you from having claims will likely lower your premium costs.
Blog post by: ITC
8 Comments
Mold Testing Plainfield link
11/11/2020 05:49:16 am

Mold is a fungus that occurs naturally in the environment and it enters your home as tiny spores but if it gets moisture, space, and air, it grows at a very fast rate and effect your house. It's better to have proper inspection and timely removal through professional mold remediation companies.

Reply
Roof Repair Near me link
12/15/2020 02:48:11 am

Having a good roof is essential for protection of family members. If there're cracks and other issues with walls and roofs, it should be treated immediately. For maintenance of it, you can hire professional roofers who are skilled and easily repair all types of roofs.

Reply
Zachary Tomlinson link
1/7/2021 03:54:27 am

I like your advice on how you should get insurance coverage that covers the entirety of your home. My friend is thinking of getting a home where he could visit and de-stress when he needs to unwind. I'll share this with him and suggest that he look for an insurance agency for advice.

Reply
Brian Hastings link
1/22/2021 05:21:40 am

Awesome post! Thanks for sharing the knowledge and keep up the good work.

Reply
James Jacobs link
6/13/2021 11:33:38 pm

I was not interested in home insurance. I like your advice on how you should get insurance coverage that covers the entirety of your home. After reading your article, I decided to purchase home insurance. Thanks for sharing this article.

Reply
chip health insurance pa link
12/12/2021 07:43:07 pm

Thanks for writing an article that I found easy to read and understand. I just found this site and am looking forward to reading more of your posts!

Reply
Braden Bills link
6/3/2022 08:10:10 am

I want to get a vacation home, but I want to make sure that it's insured right. It makes sense that getting the right kind of plan for this would be important! I'll be sure to work with a professional to ensure that I handle things right.

Reply
lihabi link
6/27/2022 08:20:50 am

Thank you for the information

Reply



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