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Owners of a higher-end second home or vacation home typically want to insure it with a policy similar to what they have on their full-time residence, which includes a comprehensive list of causes of loss and replacement cost settlement.
But some vacation homes are older. Maybe it’s that well-loved lake house or cabin that’s been in the family for years. It may lack insulation, a furnace or central air, possibly even electricity. Homes that are cherished, but not in pristine condition, may not qualify for comprehensive coverage. Instead, they need something more basic.
American Modern® offers both types of coverage.
When you describe your “get-away home” to your agent, he or she can explain your options and help you decide what level of coverage is the better fit for it.
With a simple endorsement, you can rent out your vacation home on occasion to family or friends. This should be an infrequent, and not a regular, income-generating activity. For that, you should insure your home as an actual rental property.
Spring is near. We have a few tips to help you inspect for winter damage and prepare for spring and summer storms.Keep reading