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Secondary Home Insurance

Coverage for your client’s home away from home.

Secondary home insurance from our brokerage to your agency.

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Vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We’ll make sure your clients have quality coverage specially designed for the unique exposures involved.

The difference between secondary and seasonal homes.

The precise definition of a seasonal and secondary home can vary from insurer to insurer, so be sure to ask us about it. Generally, there are two different types of vacation homes. A secondary home is one that a client only stays in for short periods of time. A seasonal home is one where they may have a longer stay but only at particular times of year.

What makes it unique from your client’s home insurance policy?

The general principles of vacation home insurance are the same as homeowners insurance. However, there are two differences. One is that a vacation home is more likely to be unattended for extended periods, increasing the risk of burglary as well as both the risk of and potential damage from fires or flooding.

Lower coverage limits overall.

On the other hand, coverage limits will often be lower at a seasonal or secondary home, simply because your client likely keeps fewer and less valuable possessions in a vacation property, particularly when it’s unattended.

Secondary Home Insurance - Home in the Snow and Mountains

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