What It Covers

Also called vacation home insurance, a secondary home policy is designed to guard against common risks and may provide comprehensive property coverage or more limited coverage for “named perils” such as fire, explosion, theft, or lightning damage. As with homeowners insurance, flood and earthquake damage are typically not covered by secondary home insurance, and you may want to consider adding these additional coverages. If you also rent out your vacation home to visitors, you may want a policy that offers liability coverage regarding these guests.