Secondary Home Insurance
Your vacation home is where you go to relax, and likely one of your most valuable assets. If you own a vacation home in California or another state and it is damaged or destroyed, you need your claim settled by an insurance company that understands these simple facts. Motz-Rusin Insurance can help you find the secondary home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Vacation homes can be beacons of relaxation in a chaotic world, and in order to preserve you mental peace you want to make sure that your vacation home is properly insured. If you own a vacation home, you know that the homeowner’s insurance policy on your primary resident provides limited coverage for personal property on both properties. That may not satisfy replacement costs should a covered loss occur at your vacation home, so purchasing a Seasonal (or Vacation) Home policy may be right for you.
A Vacation Home policy covers much of what a traditional Homeowner’s Insurance policy, except it has no liability coverage. A secondary home is covered by the liability policy of a primary home.