Vacation Home Insurance

Protecting Your Non-Primary Residence with Vacation Home Insurance

Vacation homes can provide a relaxing getaway from the stresses of everyday life. Just as with your primary residence, a vacation home needs to have adequate insurance protection. These types of homes require a different type of property insurance, however. A vacation property isn’t your primary residence, so why insure it like it is?

While it may not be your primary residence, your vacation home still faces potential damage or loss due to fire, wind, storms and severe weather. It is also vulnerable to vandalism and theft during the time it is unused. Because of these risks, not all insurance companies will insure second homes.

Seasonal and Vacation Home Insurance

Seasonal and Vacation Home insurance provides coverage for accidental damage, liability, and loss, as provided in the policy. You can choose a prepackaged policy or customize one to meet your specific situation. We can identify insurance options that do not require you to insure your primary residence with the same carrier.

Popular vacation home properties in this area include Hocking Hills Ohio, Lake Erie region, and of course in our nearby states.

Our vacation home insurance coverage options are available for your seasonal or vacation property regardless of your primary home insurer.

What coverage does Seasonal and Vacation Home Insurance provide?

Just like standard Homeowners Insurance, Seasonal and Vacation Property Home insurance helps offset the costs of repairs, replacement costs and living expenses if something happens to your vacation home due to accidents like fire, lightning, wind-driven water, hail damage or theft.

Additional Specialty Homeowners Coverages

Do you have a rental property? Do you own a vacant property or one in less-than-optimal condition? As a landlord, choosing a Landlord or Rental Property insurance package can be a smart way to help protect your investment. You can also customize your policy with additional coverage options designed around your unique property and situation.

Rental properties and vacant homes often face different risks than owner-occupied homes, including liability concerns, vandalism, weather damage, and tenant-related issues. Having the proper insurance coverage in place can help provide peace of mind while protecting the value of your investment property.

If your home’s market value is lower than what it would cost to rebuild it, some insurance companies may hesitate to provide rental property or vacation home insurance coverage. For older or lower-valued properties, ask about specialty insurance policies specifically designed for these types of homes. Our local insurance agents can help review your property and explain coverage options.

Helping to meet your coverage needs

Specialty Property insurance covers additional types of properties in addition to seasonal and vacation properties, providing coverage for homes that may not qualify for typical homeowners’ coverage, such as vacant homes or rental properties. No matter the type of homeowner’s coverage need you have, chances are we can find coverage that can help.

As an independent insurance agency, we have numerous choices and options, offers a variety of Seasonal and Vacation Home insurance packages. Contact me today and we can discuss your property insurance options.

Our Specialty Homeowners Insurance Covers

We cover seasonal and secondary properties, as well as properties in rural areas. We also accept homes that other carriers won’t take due to age, condition, value or other considerations. In certain states, we do not require that your primary residence be insured with us to insure your seasonal or secondary home.

Seasonal or Vacation Homes

• Most insurance companies require you to also insure your primary residence with them. Expert Protection Services provides Vacation Home Insurance options just for your seasonal or vacation home.

Insurance For Vacant Homes

• Many companies shy away from insuring vacant homes, but not Expert Protection Services. We want to make it easy for you to move, renovate, or put your home on the market. We’ll also make sure you don’t get stuck paying for a longer-term once you’ve sold your house.

Landlord and Rental Property Insurance

• As a landlord you can choose a package that fits your rental property or create your own policy.

Older and lower-value homes

• Your home’s market-value might be lower than it would cost to rebuild if disaster were to strike. 

Multiple Locations

Any one of us can sit down and evaluate your individual situation with proper homeowner insurance coverage. We are independent homeowner insurance agents with local insurance offices across the State of Ohio.