Second Home Insurance

Your second home most likely isn t used the same as your primary home.

Second home insurance. Insurance for your second home has all the same coverages as your primary home but insurance costs are going to differ because the risks that determine your rates are slightly different for second homes. Below are a few ways to save on second home insurance premiums. It may be vulnerable to different risks which can affect your secondary homeowners insurance.

Insurance companies view second homes as riskier to insure than primary homes since they re vacant for a solid portion of the year. This includes location the age of the property the building materials used and how long the property goes unoccupied. A secondary homeowners insurance policy is essential but it s important to know you may also need additional coverages depending on a few factors.