Insuring Vacation Homes

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Special Insurance for Seasonal, Secondary and Vacation Homes

You've worked hard to earn your home away from home and we want to help you protect it with the right kind of property insurance. In some ways, insuring a second home is the same as securing homeowner insurance for your primary residence. But many insurance companies look at home insurance for vacation homes differently than they do when underwriting and pricing insurance policies for other homes. Here's a few of the considerations that come into play when an insurance company is asked to insure a secondary home:

• Isolation - Privacy and quiet are one of the lures of having a home-away-from-home, but the more isolated a home is the more likely vandalism, fire, or other damage can mount before anyone notices.
• Rental - Home insurance policies are intended for owner occupied homes and many vacation homes are rented part-time.
• Out of State - Property insurance is regulated at the state level so insurance companies tend to have different positions when it comes to risk qualification and pricing as you move across state lines.

That's why CIA Carter Insurance Agency is an independent insurance agency. By representing top rated insurance companies CIA Carter Insurance Agency can usually find the right combination of insurance companies to protect your vacation home - with the right coverage at the best possible price. We also recognize that many vacation home owners have other special insurance needs and we can help with those as well, like:

• Boat insurance
• ATV insurance
• RV insurance
• Travel insurance
• Motorcycle insurance
• Valuable articles insurance