Secondary Home Insurance in St. Louis
Vacation homes can be beacons of relaxation in a chaotic world, and in order to preserve your 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.
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Frequently Asked Questions about Secondary Home Insurance
What is a secondary home considered?
A secondary home is typically a home used as a part-time residence in addition to your primary home. This can be for vacation or dual residency.
What if I rent out my secondary home on occasion?
If you rent out your secondary home, you’ll need a landlord insurance policy as well. Short-term vacation rentals require special insurance so be sure to discuss with your agent what type of rental you’re running and how often you’re renting it.
Do I need to carry insurance on each of my homes or can I have a single policy for both?
Each home will require a separate insurance policy. Typically, the dwellings are insured for a specific cost and because of that, you’ll need separate policies for differing amounts of coverage.
