Vacation Home Insurance

Having a second home is the perfect way to enjoy a vacation. No matter if it is a beach front property, or right at the base of your favorite snow covered mountain, vacation homes allow you to enjoy all the comforts of home while you are away.  Just like your primary residence, you will want to make sure that your vacation home is protected with the right insurance policy.

While it may be possible to expand your existing homeowners insurance policy to provide coverage for your second home, it may not be the best choice. Investing in a separate policy will provide the additional coverage needed to properly protect your second home and all of your belongings.

When looking for the right insurance coverage, your insurance company will decide how risky your second house is. If it is in a high risk location, such as right on the water, you may have to pay much higher premiums for your coverage. You may also have to deal with more limited coverage. Typical insurance for vacation homes will only provide coverage for specific perils, which means that if your vacation home is damaged from a disaster that is not listed on the policy, you will be left paying for the damages out of your own pocket.

One of the best ways to make sure that you and your vacation home are properly protected is to invest in a personal umbrella insurance policy. Umbrella policies will provide additional liability coverage that extends beyond your existing coverage to ensure that you are not left financially devastated after one accident.

For all of your insurance coverage needs when insuring your second home, contact the insurance professionals at Michelle Lim Insurance Services Insurance in Alhambra, California. We will work with you to make sure that you have the protection that you deserve, all at the right price.