Second homes
A second home is not simply a second copy of the primary home policy.
Distance, occupancy, water, wildfire, weather and recreational exposures change underwriting.
Occupancy and supervision
Seasonal, secondary, vacant and rental use are different. Carriers may require monitoring, winterization, inspections or shutoff devices.
Property values and structures
Docks, boathouses, detached garages, guest houses, equipment and furnishings need accurate description and valuation.
Water and weather
Freeze losses, backup, flood, wind, hail, wildfire and brush clearance vary significantly by location and policy.
Umbrella and ownership
Coordinate the property with the personal umbrella and disclose trusts, LLCs, co-owners and rental activity.
Complete household protection