Insuring Your Vacation Home

Written by on 4/26/2016 6:09 AM . It has 4 Comments.

charlotte insurance vacation home insurance

You’ve dreamed of owning a bungalow on the beach, or maybe a cabin in the mountains, for years. It was your gift to you and your family for all your hard work. Finally, you have the vacation home of your dreams. The family vacation trips are being planned at this very moment. Everyone is going to have so much fun.

Before you start packing your bags, make sure that you’ve protected your vacation home.

Choose the Right Policy for Your Vacation Home

Your homeowner’s insurance policy on your primary residence isn’t going to cover your vacation home. In some instances the liability portion of your coverage might extend to your vacation home, but not always. You’ll need a separate policy for your second home, but it may be a little different than what you’re used to.

Coverage: Some carriers offer coverage similar to the coverage you have on your primary home. Others do not. It’s very common to see coverage for “named perils” - specific incidents when coverage will apply like lightning damage, smoke damage, or theft.

Occupancy: Because your vacation home isn’t occupied much of the time, carriers will consider the potential for undetected threats such as burglary, theft, or fire.

Location: Vacation homes can be purchased anywhere but many are either very close to the water with potential for damage from flooding or in remote areas making it difficult for emergency crews to reach a home to put out a fire. This will affect the type and cost of coverage available.

Other Considerations

Coverage for the property isn’t the only type of coverage you’ll want to consider for your vacation home.

  • Personal property insurance is necessary for your “toys” like jet skis, high-priced electronics, and other fun things you use on vacation. It’s good to create a home inventory and keep it current as you add more items.
  • Flood insurance may be required if you live in high risk zones and have a mortgage. It’s a good idea to have for anyone near the water, even in moderate or low risk zones. A standard policy doesn’t protect you when it floods.
  • Umbrella policies cover the unexpected and give you additional protection. If something happens that’s not covered by your policy or the damage is greater than your policy limits, umbrella insurance will bridge the gap.

If you decide to rent out your home when you’re not there to enjoy it, you may need to purchase additional coverage. Most policies don’t cover the damage caused by renters. If you decide to remodel any part of your vacation home, let your insurance agent know so you have the right amount of coverage to protect your home as you add on and upgrade.

When you’re ready to discuss insurance options for your vacation home or if you want to make sure you have enough coverage, give us a call here at Charlotte Insurance. We want to make sure your vacation home is protected so that you have many years of memories to build with your family.


Got something to say? Join the discussion »
  1. caijuan83's avatar caijuan83 puma clyde fitflop uk pandora jewelry jordan 7 kyrie irving yeezy boost 350 hermes purse pandora jewelry official site nike vapormax pandora fitflops clearance adidas ultra boost mens nike flyknit salomon shoes louboutin men ultra boost longchamp air max curry 4 shoes jordan 7 kate spade sale adidas yeezy nike kd 8 lebron 11 birkenstock outlet
    Reply 4/27/2018 5:03 PM
  2. yanxia39's avatar yanxia39 kate spade handbags air max 97 hermes handbags puma rihanna adidas boost adidas ultra boost women fitflop sale lebron james shoes fitflops clearance jordan 5 ultra boost mens pandora jewelry official site pandora bracelet longchamp backpack nike vapor max jordan 10 birkenstock shoes under armour curry 3 adidas yeezy boost 350 lebron 10 red bottom shoes for men pandora salomon speedcross 4 kd nike basketball shoes
    Reply 5/14/2018 12:38 AM
  3. changhon62's avatar changhon62 pandora jewelry official site adidas originals ultra boost celine wallet nike shoes skechers shoes yeezy boost air max 270 ralph lauren jordan 11 space jam moncler coat air max 97 womens chrome hearts jordan shoes new balance running shoes women Yeezy pandora rings nike air max 95 mens nike vapor max ugg boots mbt shoes ray ban christian louboutin air jordan air max 97 north face jacket coach purses chrome hearts sunglasses nike air max 95 air max 90 red valentino ed hardy jeans barbour outlet salomon speedcross 3 adidas superstar mens salomon Pandora Rings cartier love ring moncler sale moncler jacket mens red bottom shoes moncler jacket mens polo ralph lauren mulberry handbags nike vapormax fitflop uk pandora jewelry true religion jeans men kyire 3 north face coats yeezy shoes moncler jacket womens nike air vapormax air max 97 kate spade handbags pandora rings mont blanc sale pandora bracelet kd shoes swarovski jewelry swarovski jewelry nike air max yeezy kate spade wallet ugg slippers salvatore jimmy choo heels pandora rings chrome hearts t shirt nike air max 90 curry 4 shoes pandora rings prada wallet kate spade air max 95 black fitflop under armour stephen curry lebron 14 moncler jordan 11 yeezy boost 350 michael kors bags asics outlet supreme clothing Salomon mk handbags fitflops clearance yeezy boost 350 v2 longchamp handbag louboutin ray ban sunglasses mulberry bayswater skechers shoes goyard wallet fitflop sale skechers women jordan 11 Hermes Belts mcm wallet salomon xa pro 3d oakley eyeglasses adidas nmd supreme jacket goyard wallet nike vapor max air max 90 birkenstock sale bvlgari ring oakley sunglasses air max 270 hermes burberry scarf ferragamo shoes men balenciaga shoes adidas nmd ralph lauren outlet yeezy shoes mcm barbour outlet ecco boots burberry purses ralph lauren outlet nike air max 90 christian louboutin kd 10 balenciaga shoes huarache ugg boots true religion under armour longchamp le pliage adidas shoes adidas ultra boost uncaged lacoste outlet adidas yeezy adidas ultra uncaged pandora ugg slippers pandora charms birkenstock ray ban prescription sunglasses burberry shirt nike air max pandora nike air max harden vol 2 adidas nmd kyrie nike huarache ray ban lebron james shoes coach handbags pandora bracelet kd shoes puma fenty prada purse asics mens running shoes jordan 11 air max 270
    Reply 8/1/2018 9:35 PM
  4. Yeezy 500's avatar Yeezy 500
    yeezy v 2の販売,환상 판매,La vendita Yeezy V2,Yeezy V2 de vente,En el mercado yeezy V2. Yeezysupply Yeezys For Sale Yeezys Boost 350 V2 Yeezys Boost 350 Yeezy Cream Yeezy Boost Yeezy 750 Boost Yeezy 750 Yeezy 700 Yeezy 500 Yeezy 350 V2 Yeezy 350 Boost V2 Yeezy 350 Boost Yeezy 350 Yeezy 2018 Yeezy White Yeezys White Yeezy Where To Buy Yeezys Ultra Boost Adidas Ultra Boost 4.0 Ultra Boost Supreme Yeezy Real Yeezys Cheap Yeezy Adidas Yeezys Adidas Yeezy V2 Adidas Yeezy Shoes Adidas Yeezy Boost 350 V2 Zebra Adidas Yeezy Boost 350 V2 Adidas Yeezy Boost 350 Adidas Yeezy Boost Adidas Yeezy Blue Tint Adidas Yeezy 350 Adidas Yeezy Adidas V2 Adidas Us Adidas UltraBoost Adidas Ultra Boost Men Adidas Ultra Boost Adidas 500 Adidas Yeezys Canada Goose Canada Goose UK Down Jackets For Women Canada Goose UK Jacket Canada Goose Jacket UK Canada Goose Jacket CanadaGoose UK Jackets CanadaGoose Jackets CanadaGoose UK Goose Jackets UK CanadaGoose Outlet CanadaGoose Outlet UK CanadaGoose UK Goose Outlet Adidas Yeezy V2 Adidas Yeezy Adidas V2 Adidas UltraBoost Adidas Ultra Boost Men Adidas Ultra Boost Yeezy V2 Boost Yeezy V2 Yeezy Boost V2 Yeezy 350 V2 Yeezy 350 Boost V2 New Yeezy V2 Adidas Yeezy V2 Adidas V2 Yeezy V2 Boost Yeezy V2 Yeezy For Sale Yeezy Cream Yeezy Boost V2 Yeezy Boost 750 Yeezy Boost 700 Yeezy Blue Tint Yeezy Blue Yeezy Beluga 2.0 Yeezy Beluga Yeezy Adidas Yeezy 2018 Yeezy White Yeezys White Yeezy Where To Buy Yeezys Ultra Boost Adidas Ultra Boost 4.0 Ultra Boost Supreme Yeezy Zebra Yeezys Zebra Yeezy Yellow Yeezy Yeezys Boost 350 V2 Yeezys Boost 350 Yeezys Adidas Yeezys Yeezy'S Yeezys Yeezy Zebra Yeezy Yellow Yeezys Boost 350 V2 Yeezys Boost 350 Yeezy V2 Boost Yeezy V2 Yeezy Boost V2 Yeezy Boost 750 Yeezy Boost 700 Yeezy Boost 350 V2 Yeezy Boost 350 Yeezy Boost Yeezy Beluga Supreme Yeezy New Yeezy V2 Adidas Yeezys Adidas Yeezy V2 Adidas Yeezy 350 Adidas Yeezy Adidas V2 New Yeezys New Yeezy V2 New Yeezy Cheap Yeezy Blue Tint Yeezy Black Yeezys Black Yeezy Beluga Yeezy Uk Moncler Coat Uk Moncler Moncler Uk Online Moncler Uk Moncler Uk Outlet Moncler Uk Moncler Jacket Outlets Moncler Jacket Moncler Uk Jackets Moncler Jackets Goose Down Jackets Canada Goose Uk Nfl Jerseys Nfl Jersey Cheap Nfl Jersey Nfl Jersey Cheap Nfl Jersey Nfl Cheap Jerseys Cheap Nfl Jerseys Cheap Nfl Jersey Nba Jerseys Cheap Nba Jerseys 2018 Nba Jerseys Cheap Jerseys Cheap Jersey 2018 Us Cheap China Jerseys Air Max 2018 2018 Nike Air Max 2018 Air Max Nike Vapormax Nike Air Vapor Max Vapormax Vapor Max Nike Vapor Max Vapormax 2018 Vapormax Vapor Max Nike Vapor Max 2018 Worldcup 2018 World Cup Soccer 2018 World Cup Russia 2018 World Cup Russia World Cup Football 2018 World Cup Football World Cup 2018 Michael Kors Factory Sale Michael Kors bags Michael Kors Jordan Air Cheap Jordan Shoes Air Jordan Shoes Air Jordan Asics Shoes Asics Cheap Fitflop Fitflop Clearance Fitflop Sale Clearance Discount Fitflop Fitflop Outlet Fitflop Clearance Outlet Clearance Fitflop Canada Goose Canada Goose UK Down Jackets For Women Canada Goose UK Jacket Canada Goose Jacket UK Canada Goose Jacket
    Reply 9/2/2018 2:27 PM

Leave a Reply

 [Quick Submit with Ctrl+Enter]

Remember my details
Notify me of followup comments via e-mail