What is Vacation and Second Home Insurance?

If you’re purchasing a vacation or second home or condo, you need to consider the risks and insurance costs that come with them. Many factors go into pricing home insurance, and the quotes for a secondary home are almost always higher than if the same home were your primary residence. Keep reading to learn more and what factors influence the cost of Vacation and Second Home insurance.


To insure a vacation retreat, you will need to purchase an independent home insurance policy for the seasonal residence. The premium will be priced based on the same factors as any other home – the replacement cost value, the deductible you choose and other applicable risks – but it will be higher than if the same home were your primary residence.


Location is always a factor in homeowners insurance costs—for example, you need additional insurance if your dwelling is in a flood- or earthquake-prone area. With vacation homes the very location that makes a place desirable may also make it more expensive to insure. For instance, a ski house or hunting lodge in a remote or mountainous area could be at greater risk for damage due to wildfire. A beach house may be more exposed to wind damage or storm surge from a hurricane.

Type of Property

Type of property used in a vacation home will impact the cost of insurance. What’s also important is whether your second home is a single-occupancy house, a condominium or a townhouse.


Amenities like pools and hot tubs add risk to your second home. If your vacation residence is equipped with these or other special amenities, you may pay a higher insurance premium and you should also consider additional liability protection, which will increase insurance costs, as well.



Let Uniamericainc.com help you with Vacation or Second Home insurance today!

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