Do I Need Separate Home Insurance for My Vacation Home?

Owning a second home or a vacation home is a dream come true for most people. Having somewhere to escape to when you need a break from the daily grind is a great feeling. Just like you need to protect your Burlington, NC home, you need to protect your vacation home, no matter where it is. For most people, this means obtaining a completely separate policy from your primary policy.

Of course, each policy differs, so it is always best to check your primary policy before purchasing new insurance. If you are concerned about what your particular policy covers, here at Don Allred Insurance, we are happy to help you understand your policy and obtain any additional protection you might need.

Whether your primary policy does or does not cover a vacation home, you will likely need to supplement your policy with additional coverage for hurricanes, floods, earthquakes, and other events that basic policies do not cover. If you choose to use your vacation home as a rental property when you are not using it, there is other coverage to consider, such as insurance that covers a loss of rental income should you experience a covered event. In some cases, using it as a rental property may even require business insurance. We will be happy to help you assess your unique situation and determine the exact type of coverage you need.

Don Allred Insurance is here to help our Burlington, NC family and friends get the protection they need from the curve balls that life throws your way. Contact us today to see what we can do for you and receive your free, no-obligation quote!