Secondary Home Insurance

Coverage for your home away from home.

Home » Family Insurance » Secondary Home Insurance

Secondary home insurance throughout Tennessee including Morristown, TN, Knoxville, TN, Bristol, TN, Johnson City, TN, and Kingsport, TN.

Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We’ll make sure you have the right coverage specially designed for the unique exposures involved.

Getting insurance for a property that serves as a vacation home (not your main residence) can feel confusing, so here are a few basic guidelines and points to consider.

The precise definition of a seasonal and secondary home can vary from insurer to insurer, so be sure to ask us about it. Generally, there are two different types of vacation homes. A secondary home is one that you only stay in for short periods of time. A seasonal home is one where you may have a longer stay but only at particular times of year.

The general principles of vacation home insurance are the same as homeowners insurance. However, there are two differences. One is that a vacation home is more likely to be unattended for extended periods, increasing the risk of burglary as well as both the risk of and potential damage from fires or flooding.

On the other hand, coverage limits will often be lower at a seasonal or secondary home, simply because you likely keep fewer and less valuable possessions in a vacation property, particularly when it’s unattended.

Because of these two factors, it’s well worth taking the time to find a vacation home insurance policy that provides you with the specific coverage you need at a fair price. We’ll help guide the way.

Secondary Home Insurance Proposal Request

As an independent agency, we offer multiple options at competitive prices.

Featured Articles
Motorcycle Insurance

May Is Motorcycle Safety Awareness Month

| Family Insurance, Insurance | No Comments
May is Motorcycle Safety Awareness Month. This annual campaign is held each spring by the National Highway Traffic Safety Administration…

Winter Home Maintenance Tips

| Family Insurance | No Comments
Winter can be a beautiful time of year, but winter weather can wreak havoc on your home. Colder temperatures, ice,…
RV in field of flowers

Five Tips to Avoid Being a Goofy RV Driver

| Family Insurance | No Comments
Have you seen the old Mickey Mouse cartoon where Mickey, Goofy, and Donald go on a camping trip? Goofy is…
Start Proposal Request