A vacation home needs the same type of insurance for property damage as a primary residence, but there are some factors that make insuring it different.

Liability coverage may not be a feature of second home policies since the liability on your homeowners insurance will apply, even if the claim relates to your second home. For this reason, many insurance companies will not cover a second home unless they also insure the primary residence. This can be to your benefit, since insuring both properties with the same insurance company can also save you money.

A licensed insurance professional at NRT Insurance Agency can tell you what you need to provide full protection for your vacation or second home. We can also suggest steps you can take to save money on your premium.