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Vacation homes come in many different shapes and sizes and can be located anywhere. Regardless of the type of home you vacation in you should carry home owners insurance on the property even if you only stay there one week out of the year.

Dwelling Coverage

Your vacation home is susceptible to the same risk as the home you stay in full-time. Should that risk become a reality, home insurance coverage purchased for your vacation home can re-build your get away retreat after an insurable event. Without insurance you will be forced to rebuild your vacation home out of your own pocket or sell the land at a loss.  If you have a condo or town home, your building or HOA likely has a policy that covers the dwelling itself but not your property inside.  

If you use your vacation home as a rental unit when you’re not there, you should always inform your insurer of the rental arrangements with your tenants. Look into an umbrella policy for additional liability coverage should an accident happen on your property while it’s being rented.

Protecting your Personal Property

It’s not uncommon to purchase furniture, kitchen supplies and other items to keep in your vacation home year round. These belongings need coverage in order to limit the financial risk you face should an insurable event occur. Due to the fact you most likely keep fewer belongings in your vacation home, you can purchase very low limits for contents coverage. Even having the lowest limit possible means that you can replace some of what’s lost without having to spend too much out of pocket.

Possible Discounts

Installing an alarm, smoke detectors or other safety precautions will allow for potential discounts just as they do in your year-round home. You could also check into multi-policy discounts if you’re purchasing additional policies with the same carrier as your full-time residence and auto policies.

Your vacation home holds great value whether you are there for 6 months or just one week every year. Protecting it with the right coverages will ensure your investment and savings are protected. Call us today for a McAllen home insurance quote at 956-581-1034.
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Raymond Longoria Insurance
2025 N Conway Ave
Mission, TX 78572
Phone: (956) 581-1034
Toll-Free: (888) 296-0345