Secondary Home Insurance

Secondary home insurance is a type of insurance that provides coverage for homes that are not the homeowner’s primary residence. This can include vacation homes, rental properties, and other secondary homes.

Like primary home insurance, secondary home insurance typically provides coverage for the structure of the home, as well as personal property inside the home. It may also provide coverage for liabilities, such as injuries that occur on the property.

However, secondary home insurance policies may differ from primary home insurance policies in terms of coverage limits, deductibles, and other factors. For example, suppose the home is only a vacation home for part of the year. In that case, the insurance policy may have different coverage requirements or restrictions during the time that the home is unoccupied.

The cost of secondary home insurance can vary depending on factors such as the location, age, and condition of the home and the level of coverage needed. It’s important to review your insurance policy carefully to understand the coverage provided and any limitations or restrictions that may apply to your situation.