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Secondary Home Insurance by Innovative Insurance Services, LLC

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Secondary Home Insurance

Secondary Home Insurance provided by Innovative Insurance Services, LLC

Maybe you have a cabin in the mountains, a lake house or a beach cottage. Whether your vacation home is used as a weekend getaway or a seasonal retreat, it’s a special place you want to protect. Talk to us to know about a variety of coverage options.

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Longer vacancy times Coverage

Risk Factors

When a house isn’t your primary home, more often than not, it’s left unoccupied. Empty houses carry a higher risk of unreported (or late-reported) dangers, like leaks, fires and vandalism.


Secondary home insurance should be considered by the house owner to cover any unexpected perils.

Increased threat of theft Coverage

Risk Factors

Houses that are even temporarily unoccupied carry a greater risk of theft. If you’re renting the house out to guests for part of the year, visitors may pose a risk as well.



Secondary home insurance should be considered by the house owner to cover any loss of property due to theft.

Environmental perils Coverage

Risk Factors

The features you appreciate most about your vacation home, like the waterfront view or resort location, could increase the chances that your property is affected by a natural disaster, like a hurricane, earthquake or wildfire.



You may need to purchase additional insurance coverage to protect the structure and your belongings from these types of disasters. Secondary home insurance can be opted for the same.


Property (Optional) Coverage

Risk Factors

You work hard for all the things that make your secondary home a comfortable and entertaining place to visit. If any of your property is damaged, you need to pay the repair costs from your pockets.


Personal property coverage is one way to ensure you’ll have the means to repair or replace them if they’re damaged by a covered loss, such as theft, fire, lightning and more.

What is Secondary Home insurance?

If you own a second home, you will need to protect it with a homeowners insurance policy that is separate from that of your primary residence. Homeowners insurance for second homes includes all the same coverages as that of your primary home, but insuring a secondary residence tends to cost more due to the heightened risk of insurance claims. How often your vacation home is vacant, where it is located, and whether you rent it out will all affect your rates.

What are the types of Secondary Home Insurance coverages?

A second home insurance policy will provide the following coverages:

  • Dwelling coverage– Covers the structure of your secondary residence against perils like fire, weather-related damage, and theft
  • Other structures coverage– Covers additional structures on your property, including gardening sheds, garages, and boat docks
  • Personal property coverage– Covers personal belongings in your second home, such as furniture, clothing, kitchenware, and more
  • Loss of use coverage– Covers additional living expenses in the event your second home becomes uninhabitable due to a covered loss and you need to live somewhere else temporarily
  • Personal liability coverage– Covers legal and medical expenses if you’re held legally responsible for someone else’s injury or property damage
  • Medical payments coverage– Covers guests’ medical expenses if they sustain a minor injury on your property

Why is Secondary Home Insurance important?

Second homes provide a respite from weekday life, and may even be a good investment. They also, however, present more of an insurance risk than your primary residence—the fact that you don’t not physically occupy your second home as frequently puts it in more danger for theft, vandalism and easily undetected damage, like burst water pipes.

Ready to find the right coverage for your vacation home? Reach out us and we are ready to help you discover the coverages you need to make sure your second home is properly protected.

Already have Secondary Home Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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