A second home insurance policy typically includes the following coverages:

Dwelling Coverage – Protects the structure of your second home from fire, weather-related damage, theft, and other covered perils.

Other Structures Coverage – Covers detached structures on your property, such as gardening sheds, garages, and boat docks.

Personal Property Coverage – Protects personal belongings inside your second home, including furniture, clothing, kitchenware, and more.

Loss of Use Coverage – Covers temporary living expenses if your second home becomes uninhabitable due to a covered loss and you need alternate accommodations.

Personal Liability Coverage – Pays for legal and medical expenses if you are held legally responsible for someone else's injury or property damage on your second home property.

Medical Payments Coverage – Covers guests' medical expenses if they sustain a minor injury on your property, regardless of fault.

Owning a second home provides a getaway from daily life and can also be a valuable investment. However, second homes also pose higher risks than primary residences, as they are often vacant, making them more vulnerable to theft, vandalism, and undetected damage—such as burst pipes or weather-related destruction.

Are you ready to find the right coverage for your second home? Reach out to us today, and we’ll help you secure the best policy to ensure your vacation home is fully protected.