Vacation home insurance, also referred to as cottage insurance or second home insurance, is a specialized policy for protecting properties that serve as seasonal or vacation homes. Unlike your primary residence, these properties often face unique risks due to their part-time occupancy, such as increased vulnerability to theft or damage. This insurance safeguards your investment against unexpected events like fire, natural disasters, theft, or liability claims.
Although not legally required, vacation home insurance is highly recommended to protect your investment. Since these properties are not occupied year-round, the risks of unnoticed damages or break-ins can be higher. Having the right insurance ensures peace of mind and financial security.The cost of vacation home insurance depends on factors such as the property’s location, size, age, condition, and the coverage you select. Let us help you navigate these options to find the best coverage at the best price.
Protection against damages to the building caused by covered events such as storms, fires, or vandalism.
Coverage for tools, equipment, furniture, and appliances within the property.
Financial support if someone is injured on your property or if you are responsible for damages to another person’s property.
Compensation for lost income if your property is uninhabitable due to a covered event and cannot be rented out.
We’re happy to answer any questions you may have and help you determine which of our services best fit your needs
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