Secondary & Vacation Homes
Year-round property and liability protection for coastal properties, mountain retreats, and seasonal estates.
Operational Risk Profile
Secondary residences inherently carry higher risks because they are unoccupied for extended periods. A minor plumbing leak that goes unnoticed for a month can cause catastrophic black mold and structural rot. Additionally, coastal properties face severe wind/hurricane exposures, while mountain cabins face wildfire and frozen pipe hazards.
Core Coverage Considerations
While every vacation property has a unique risk profile, a foundational risk management strategy typically includes the following core coverages.
Vacancy/Unoccupied Property Provisions
Ensures coverage remains fully intact even when the property is vacant for months at a time, bypassing standard policy vacancy exclusions.
Caretaker & Property Manager Liability
Extends premises liability to cover injuries sustained by the landscaping crews, property managers, or cleaning services maintaining the home.
Loss of Use (Rental Income)
If the secondary home is periodically rented out (VRBO/Airbnb), this coverage replaces the lost income if a fire or storm cancels a season of bookings.
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