Do you have a secondary or vacation home?
Is the vacation home properly protected and insured?
Your secondary home is your escape—a place to relax and unwind. Don’t let vacation home insurance add stress. Huff Insurance is here to help you find the best coverage for your vacation or secondary home.
Whether you have a home by the ocean or in the mountains for skiing or hunting, Huff Insurance is here to help you find the best coverage for your needs.
Vacation homes come with unique challenges. Since you’re not there all the time, even something minor, like a broken pipe, can cause significant damage before it’s discovered.
Your secondary home should help you relax, not not add stress because you can’t secure the proper insurance. Your vacation home could be a single-family house, a condo, a lakeside cottage, or a cabin in the woods. No matter the type, Huff Insurance is here to provide you with options.
Are you renting out your vacation home for part of the year?
We can help with that too! Just let us know so we can provide the proper vacation home insurance. It’s common for vacation or secondary homeowners to rent out their property to help cover and justify the additional expenses.
When insuring your vacation home, it’s important to consider both property insurance to protect the building and contents, as well as liability insurance for the premises.
While you may have fewer belongings at your secondary home compared to your primary residence, they can still add up quickly. Don’t rely solely on the contents coverage from your primary home—it typically only extends 10% of the coverage limit to another residence.
Depending on the location of your vacation home, you might have items like a boat, ATV, snowmobile, or jet ski stored on the property. These require their own specialized insurance and need to be insured separately. If you keep a car garaged at the home for convenience, it’s important to include that in your coverage as well.
Be sure to let your agent know if these items will be available for renters or guests to use, as this can affect your coverage needs.
At Huff Insurance, we’re a full-service agency, ready to assist with all your insurance needs. From your vacation home to recreational vehicles, we provide comprehensive options to keep you covered.
When you have a vacation home there are some things that you can do to help reduce the insurance costs:
- Install a central station burglar and fire alarm to ensure the police and fire department are notified immediately if something happens.
- Turn off the water to your home every time you leave. This way, if a pipe breaks, the damage will be minimal.
- Keep the heat on in your home, even at 55 degrees during winter, to prevent freezing pipes and system issues.
- Arrange for someone local, like a property manager or a neighbor, to regularly check on the property and have your contact information in case of an issue.
- Take precautions during storms like hurricanes and blizzards to ensure that the property is secured and prepared.
Maryland offers it all—from the ocean to the bay to the mountains. Even if you’re a full-time resident, owning a secondary home in another part of the state is quite common.
Contact Huff Insurance to protect your primary home, secondary home, and all your other insurance needs.
Huff Insurance is a full service Trusted Choice® Insurance Agency. We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance, and Life Insurance products. Call us at 410-647-1111.