SECONDARY HOME INSURANCE

The right coverage is essential but you don't have to overpay for it

Make Your Vacation Home A Priority

A second home has unique risks. You can extend the liability portion of your main residence’s Homeowners Insurance to protect a second home, but what happens in the case of a disaster or damages? Purchasing a separate Homeowners Insurance policy to cover the dwelling, all existing structures and loss of use is the best way to protect your vacation home.

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Basic Coverages

A Secondary Home Insurance policy typically covers the physical structure of your home, your personal property, the permanent structures on your property and loss of use. You will also have protection against personal liability exposure as a homeowner.

beachfront vacation homes
Rental Coverages

If you rent out your second property, carrying the proper coverage is essential to avoiding a loss. As a landlord, you require Dwelling Fire Insurance, which mainly covers the structure, liability and loss of rent.

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Additional Coverages

Flood and Earthquake coverages are important additions to any type of Homeowners Insurance policy. Depending on your personal financial risk, you may also consider an Umbrella Insurance policy.

Understanding Secondary Home Insurance

Your secondary home comes with the same financial risks as your house, so it requires just as much protection. The best way to achieve peace of mind that your vacation home is protected against the unpredictable is by carrying a Secondary Home Insurance policy. You will be covered for damage caused by lightning, explosion and fire. Additionally, if someone gets injured on your property, you will be covered. For an extra level of protection for all your valuable assets, also consider Umbrella Insurance.

Types of Secondary Home Insurance Coverages

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Why Do You Need AIS?

Vacation Homes and Second Homes are as important to insure as your Primary one. AIS makes buying Secondary Home Insurance as easy as buying any Homeowners Insurance. With dozens of trusted partners, we will find you the exact amount of coverage you need at a price that fits your budget. We shop, and you choose what you want. It’s that easy.

Learn More About AIS Insurance