Let’s face it. When you fantasize about kicking back at your vacation home, insurance policies are the last thing on your mind. More realistically, you probably start to ponder which Jimmy Buffet album you’ll listen to first. After all Buffet-related matters have been settled, you’ll presumably start to consider which brand of rum to sip in your hammock. If you opt to go the bottom-shelf route, you’ll save a few bucks but you also risk the wrath of a serious hangover. Is it worth it?

Nobody’s disputing the fact that these are matters of the highest importance. With all of that being said, it’s still imperative that you set aside some time to obtain the right insurance package for your vacation get-away. Even though this particular process doesn’t deviate too much from standard homeowner protocol, it’s always recommended that you brush up on the facts.

Take a look at the following sections, and learn more about this specific form of coverage. When you’re ultimately ready to protect your vacation home against accidental damage, liability and loss, all you have to do is speak with one of the friendly folks here at Nicholas / Tobin. We’re standing by to take your call.

In most instances, folks will choose to explore each of the insurance packages listed below. Though you may not reside in your second home year-round, it’s still important that you cover all your bases.


  • Full Property Coverage will protect your home against most direct, sudden, and accidental physical losses which aren’t excluded from your selected policy.
  • Named Peril Coverage protects you from any peril listed within your policy. These commonly include fires, explosions, lightning, wind and hail.
  • If you’re found to be legally responsible for any accidental injury sustained on your property, you’ll be protected by Liability Insurance. Homeowners will additionally be covered if a guest causes damage to a neighbor’s property.
  • Actual Cash Value will cover the cost to remedy damaged property. This amount is generally determined by the current age and condition of your value of your seasonal property or vacation home.
  • Your Agreed Loss Settlement will cover the insured value of your property, minus any applicable deductible.


Along with each of the aforementioned points, there are always additional matters to consider. Take a look at each of the following points and tips and decide whether or not you need to bolster your coverage.


  • In many instances, flood insurance is not included in standard vacation home policies. If you suspect your property is at risk, consider exploring additional flood coverage.
  • If your vacation home is located in a cold weather region, you probably realize that snow storms can quickly cause a lot of damage. If you winterize your home prior to departing, you’ll stand to save lots of cash in the long run.
  • Is your property situated in an area where forest fires have been spotted? You may choose to clear most vegetation from around the perimeter of your structure to save on repair and insurance costs.
  • Earthquake insurance is rarely included in standard vacation home insurance packages. Be sure to purchase this coverage independently if need be.
  • Are you renting your home to others? Make sure to contact your insurance company about additional insurance requirements. Renters should provide evidence of insurance which is similar to the attaining renter’s policy. This protects you from unnecessary claims and risk that others may impose on you and your assets.


While this information was designed to touch on the basics of vacation home insurance, there are far more intricate matters discuss. If you’re serious about obtaining comprehensive vacation home coverage, all you have to do is speak with a trained insurance broker today. Better yet, contact Nicholas / Tobin as soon as possible, and gain instant access to the finest rates on the market!

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