Personal Lines

Secondary and Seasonal Homes

When purchasing a secondary or seasonal home, the process and cost of obtaining coverage can be very different than insuring a primary home. Homes located near the water or at the top of a mountain are unique to insure and will be underwritten with a different lens than a primary home.

Even if you already own a second home, our team can offer recommendations on how to mitigate your risk and keep down the cost of your insurance.

Key Considerations

  • Distance to water and elevation of your home, which is determined by an Elevation Certificate
  • Distance to the fire company for homes in remote locations
  • Proximity to wildfire and earthquake exposures
  • Year built of coastal homes (many construction requirements changed in the early 2000s after significant hurricanes)
  • Swimming pools, pool houses, docks, guest houses and other buildings on the property
  • Occupancy of the home
  • Rental income