Insuring a Second Home

If you’re looking to insure a vacation or second home, your insurance needs are unique. Dalton Timmis can help find a policy that works best for you.

Protecting Your Home Away From Home

If you’re investing in a second home, we’ve gathered some insurance basics that will help you make the best buying decision when it comes to determining insurability and estimating your ongoing cost of ownership.

Dwelling Fire Insurance

Since most homeowner policies require occupancy as a condition of insurance, the fact that you visit infrequently may preclude you from obtaining full homeowners coverage. Dwelling fire insurance is an alternative coverage option utilized in insuring residential rental or non-owner occupancy property, including vacant property. A dwelling fire policy continues to offer coverage for a home and other structures (e.g., detached sheds or garages) for perils named in the policy. Named perils listed in a typical dwelling fire policy protect against damage caused by fire, collapse, lightning, wind, hail, explosion, and smoke. For more coverage, consider adding personal property protection and liability.

Top Ways to Save

If your second home is typically unoccupied for periods of time, it’s worth investing in items that create insurance discounts to offset the cost of your premium. This includes smoke detectors, fire extinguishers, deadbolts and a central alarm system for burglaries and fire that contacts an outside service. Also, insuring your primary home with the same company as your secondary home will generally always lead to better rates for the secondary home rather than having it on its own separate policy.

Cost Considerations

Second homes generally cost more to insure. This is because premiums are based on a variety of factors such as the amount of time that it will be unoccupied, its location and the liability from renting the property.


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