Vacation homes can be beacons of relaxation in a chaotic world, and in order to preserve you mental peace you want to make sure that your vacation home is properly insured. If you own a vacation home, you know that the homeowner’s insurance policy on your primary resident provides limited coverage for personal property on both properties. That may not satisfy replacement costs should a covered loss occur at your vacation home, so purchasing a Seasonal (or Vacation) Home policy may be right for you.
A Vacation Home policy covers much of what a traditional Homeowner’s Insurance policy, except it has no liability coverage. A secondary home is covered by the liability policy of a primary home.