While it may seem like a daunting task to choose the best secondary home insurance, rest assured that with thorough research and a trustworthy insurance company, you can find the perfect coverage for you and your property. <\/p>\n\n\n\n
How to Balance Affordability and Coverage?<\/strong> <\/h2>\n\n\n\nWhen you are taking those first steps to buying a home in California<\/a>, finding the balance between home insurance affordability and coverage can be challenging. <\/p>\n\n\n\nWhat does it mean to balance affordability and coverage?\u202f <\/p>\n\n\n\n
Affordability is basically how much your insurance costs and whether or not it fits in your budget. This includes important factors, such as how much you pay per month or year and how much you will need to pay out of your own pocket if an unfortunate event occurs.\u202f\u202f <\/p>\n\n\n\n
Coverage is what your insurance protects. For example, does your insurance offer personal property coverage in the event of damage? What scenarios does your policy actually cover? It is imperative you know exactly what your policy covers and how much it covers.\u202f <\/p>\n\n\n\n
Your friendly neighborhood insurance agent can help you understand how the different types of coverage can fit into your budget and how the unique challenges of California affect your policy as well.\u202f\u202f <\/p>\n\n\n\n
Understanding Key Factors Influencing California Vacation Home Insurance Rates<\/strong> <\/h3>\n\n\n\nCalifornia offers unique environmental challenges that cause a higher risk for your insurance company. These risks will influence your home insurance costs.\u202f <\/p>\n\n\n\n
Natural risks are prevalent in California. These risks include:\u202f <\/p>\n\n\n\n
\n- Wildfires<\/strong>: Wildfires are, unfortunately, a common threat in California and put homes at higher risk for damage or destruction. Homeowners insurance typically covers damage from wildfires in California due to their frequency, although more and more insurers are pulling out of the market for this very reason.\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Earthquakes and Floods<\/strong>: You will need to know what your insurance covers<\/a>, and the standard policy does not cover earthquakes and floods. For this reason, you may need additional coverage.\u202f <\/li>\n<\/ul>\n\n\n\n
Rebuilding after a disaster can be financially overwhelming. Purchasing the best vacation home policy can give you peace of mind knowing that your insurance will help mitigate those costs.\u202f <\/p>\n\n\n\n
Essential Coverage Components for Your California Retreat<\/strong> <\/h2>\n\n\n\nYour second home policy will typically have the same basic coverage as your primary home insurance.\u202f <\/p>\n\n\n\n
The coverages you will most likely encounter include:\u202f <\/p>\n\n\n\n
\n- Dwelling Coverage<\/strong>: This covers the physical structure of your primary home structure so you can repair or rebuild.\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Other Structures Coverage<\/strong>: This covers the repair or replacement of any detached garage, fence, shed, or any other damaged structures.\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Personal Property Coverage<\/strong>: This helps cover the cost of replacing lost personal property, such as furniture, clothing, and appliances.\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Personal Liability Coverage<\/strong>: This covers you if someone gets injured in your home and you are sued.\u202f\u00a0<\/li>\n<\/ul>\n\n\n\n
Additional Coverage Options Worth Considering<\/strong> <\/h3>\n\n\n\nWhile your vacation home does have the same basic coverage as your primary residence, it often does not cover everything. For example, your standard policy probably does not include flood insurance in instances of natural disasters.\u202f <\/p>\n\n\n\n
Remember that your insurance will only cover the perils listed in the contract. If the house is potentially at risk of damage from wildfires, storms, earthquakes, or water, confirm that those are included in the contract. Keep in mind your successful claim is dependent on evidence you\u2019ve been performing the normal maintenance to keep your home in good shape. For example, before winter, there are some things you should do to prepare your home for the coming cold<\/a> so a potential flood from frozen pipes will be covered. <\/p>\n\n\n\nHow to Overcome Common Hurdles to Insuring a Second Home in California<\/strong> <\/h2>\n\n\n\nBy its very nature, a second home property will not be occupied as often as your primary location. This also offers a new list of challenges that will affect your insurance policy.\u202f <\/p>\n\n\n\n
There are a few scenarios that should be considered when your property is left vacant. A vacant or unoccupied property is at a higher risk of being targeted by burglars and vandalism. The good news is that you can be proactive against burglaries, such as installing a security system, and possibly receive a discount on your policy.\u202f <\/p>\n\n\n\n
Undetected problems can quickly turn into far worse problems in an unoccupied property. These issues can include mold, burst water pipes, and fires.\u202f <\/p>\n\n\n\n
Vacation homes are also often in higher-risk areas. These high-risk areas include the beach where you’re at risk for flooding and heavily wooded areas where forest fires can happen. If your home is in a major city, you may need to consider vandalism and theft as possibilities.\u00a0<\/p>\n\n\n\n
<\/div>\n\n\n\n![\"Above](\"https:\/\/www.costulessdirect.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/02\/Vacation-Home-Insurance-in-California-Tips-to-Keep-Your-Property-Protected-cost-u-less-1-2-1.jpg\")
<\/figure><\/div>\n\n\nMinimizing the Impact of Vacancy Periods on Your Premium<\/strong> <\/h3>\n\n\n\nIt is important to understand the difference between unoccupied and vacant properties. Unoccupied properties are typically seasonal residences where the homeowners intend to return in the foreseeable future. A vacant home, however, is not being used for an extended amount of time.\u202f <\/p>\n\n\n\n
If your vacation home is going to be vacant then you need to invest in vacant home insurance as part of your homeowner’s insurance policy or as a standalone policy.\u202f When a property is vacant small problems are more difficult to detect and can lead to large issues if left alone.\u202f <\/p>\n\n\n\n
Your vacant home insurance covers threats, such as inclement weather, smoke damage, windstorm damage, explosions, and civil unrest.\u202f <\/p>\n\n\n\n
Work with your insurance agent to understand how to properly insure your vacant property and what your home insurance actually covers<\/a>. <\/p>\n\n\n\nTailoring Your Policy to the Unique Needs of Your Getaway Home<\/strong> <\/h2>\n\n\n\nHow you plan to use your new vacation property will determine what kind of vacation home insurance policy you need.\u202f <\/p>\n\n\n\n
Some questions you should ask are:\u202f <\/p>\n\n\n\n
\n- Will you exclusively be using the home?\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Will you rent the property out?\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Will you rent it out full-time? Part-time? Or infrequently?\u202f <\/li>\n<\/ul>\n\n\n\n
\n- How long will the rentals be?\u202f <\/li>\n<\/ul>\n\n\n\n
How Home Rental Activity Affects Your Coverage Choices<\/strong> <\/h3>\n\n\n\nHow much you rent out your vacation home will affect your insurance policy options.\u202f <\/p>\n\n\n\n
In California, short-term rentals<\/a> are considered a business and will not be covered by traditional homeowners insurance. You need to purchase a short-term rental insurance policy for a property rented out for 30 days or less. These types of rentals are generally managed through companies like Airbnb, VRBO, and others.\u202f <\/p>\n\n\n\nLandlord insurance is coverage for you as the property owner who may rent out your vacation home full-time. Landlord insurance usually covers the same things as your standard homeowner’s policy but the coverage limit is the tenant’s belongings. Those can be covered by renters insurance purchased by the tenant.\u202f <\/p>\n\n\n\n
If you plan to rent your property out infrequently, ask your insurance agent about a rental rider. A rental rider is additional coverage you can purchase on top of your existing policy.\u202f <\/p>\n\n\n\n
Protect Your Vacation Home From Unexpected Risks. Get a Free Quote for Tailored Insurance Coverage Today and Enjoy Peace of Mind While You\u2019re Away!<\/strong> <\/h2>\n\n\n\nAre you ready to purchase a vacation home for those special times and family memories? Protect your vacation home from unexpected risks with Cost-U-Less. You are not alone in your vacation home adventure. We are here to help.\u202f <\/p>\n\n\n\n
Call Cost-U-Less Insurance at (800) 390-4071 or get a fast and free insurance quote online<\/a> for tailored insurance coverage today and enjoy peace of mind while you’re away! Or feel free to stop in one of our convenient locations<\/a>. <\/p>\n\n\n\nFrequently Asked Questions<\/strong> <\/h2>\n\n\n\nDo I Need Different Insurance for a California Vacation Home Versus My Primary Residence?<\/strong> <\/h3>\n\n\n\nYes, you will need a separate home insurance policy from your primary residence for your vacation home. A standard homeowners policy provides plenty of coverage if your vacation home is solely for personal use.\u202f\u202f <\/p>\n\n\n\n
Your vacation home brings unique coverage needs, which require a specific vacation home insurance policy.\u202f <\/p>\n\n\n\n
Can I Bundle My Existing Home Insurance with my California Vacation Property?\u202f<\/strong> <\/h3>\n\n\n\nThe good news is that you can often bundle your primary and secondary home insurance<\/a> for a multi-policy discount. However, each policy will be covered with a separate contract.\u202f <\/p>\n\n\n\n<\/div>\n\n\n\n
What does it mean to balance affordability and coverage?\u202f <\/p>\n\n\n\n
Affordability is basically how much your insurance costs and whether or not it fits in your budget. This includes important factors, such as how much you pay per month or year and how much you will need to pay out of your own pocket if an unfortunate event occurs.\u202f\u202f <\/p>\n\n\n\n
Coverage is what your insurance protects. For example, does your insurance offer personal property coverage in the event of damage? What scenarios does your policy actually cover? It is imperative you know exactly what your policy covers and how much it covers.\u202f <\/p>\n\n\n\n
Your friendly neighborhood insurance agent can help you understand how the different types of coverage can fit into your budget and how the unique challenges of California affect your policy as well.\u202f\u202f <\/p>\n\n\n\n
Understanding Key Factors Influencing California Vacation Home Insurance Rates<\/strong> <\/h3>\n\n\n\nCalifornia offers unique environmental challenges that cause a higher risk for your insurance company. These risks will influence your home insurance costs.\u202f <\/p>\n\n\n\n
Natural risks are prevalent in California. These risks include:\u202f <\/p>\n\n\n\n
\n- Wildfires<\/strong>: Wildfires are, unfortunately, a common threat in California and put homes at higher risk for damage or destruction. Homeowners insurance typically covers damage from wildfires in California due to their frequency, although more and more insurers are pulling out of the market for this very reason.\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Earthquakes and Floods<\/strong>: You will need to know what your insurance covers<\/a>, and the standard policy does not cover earthquakes and floods. For this reason, you may need additional coverage.\u202f <\/li>\n<\/ul>\n\n\n\n
Rebuilding after a disaster can be financially overwhelming. Purchasing the best vacation home policy can give you peace of mind knowing that your insurance will help mitigate those costs.\u202f <\/p>\n\n\n\n
Essential Coverage Components for Your California Retreat<\/strong> <\/h2>\n\n\n\nYour second home policy will typically have the same basic coverage as your primary home insurance.\u202f <\/p>\n\n\n\n
The coverages you will most likely encounter include:\u202f <\/p>\n\n\n\n
\n- Dwelling Coverage<\/strong>: This covers the physical structure of your primary home structure so you can repair or rebuild.\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Other Structures Coverage<\/strong>: This covers the repair or replacement of any detached garage, fence, shed, or any other damaged structures.\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Personal Property Coverage<\/strong>: This helps cover the cost of replacing lost personal property, such as furniture, clothing, and appliances.\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Personal Liability Coverage<\/strong>: This covers you if someone gets injured in your home and you are sued.\u202f\u00a0<\/li>\n<\/ul>\n\n\n\n
Additional Coverage Options Worth Considering<\/strong> <\/h3>\n\n\n\nWhile your vacation home does have the same basic coverage as your primary residence, it often does not cover everything. For example, your standard policy probably does not include flood insurance in instances of natural disasters.\u202f <\/p>\n\n\n\n
Remember that your insurance will only cover the perils listed in the contract. If the house is potentially at risk of damage from wildfires, storms, earthquakes, or water, confirm that those are included in the contract. Keep in mind your successful claim is dependent on evidence you\u2019ve been performing the normal maintenance to keep your home in good shape. For example, before winter, there are some things you should do to prepare your home for the coming cold<\/a> so a potential flood from frozen pipes will be covered. <\/p>\n\n\n\nHow to Overcome Common Hurdles to Insuring a Second Home in California<\/strong> <\/h2>\n\n\n\nBy its very nature, a second home property will not be occupied as often as your primary location. This also offers a new list of challenges that will affect your insurance policy.\u202f <\/p>\n\n\n\n
There are a few scenarios that should be considered when your property is left vacant. A vacant or unoccupied property is at a higher risk of being targeted by burglars and vandalism. The good news is that you can be proactive against burglaries, such as installing a security system, and possibly receive a discount on your policy.\u202f <\/p>\n\n\n\n
Undetected problems can quickly turn into far worse problems in an unoccupied property. These issues can include mold, burst water pipes, and fires.\u202f <\/p>\n\n\n\n
Vacation homes are also often in higher-risk areas. These high-risk areas include the beach where you’re at risk for flooding and heavily wooded areas where forest fires can happen. If your home is in a major city, you may need to consider vandalism and theft as possibilities.\u00a0<\/p>\n\n\n\n
<\/div>\n\n\n\n<\/figure><\/div>\n\n\nMinimizing the Impact of Vacancy Periods on Your Premium<\/strong> <\/h3>\n\n\n\nIt is important to understand the difference between unoccupied and vacant properties. Unoccupied properties are typically seasonal residences where the homeowners intend to return in the foreseeable future. A vacant home, however, is not being used for an extended amount of time.\u202f <\/p>\n\n\n\n
If your vacation home is going to be vacant then you need to invest in vacant home insurance as part of your homeowner’s insurance policy or as a standalone policy.\u202f When a property is vacant small problems are more difficult to detect and can lead to large issues if left alone.\u202f <\/p>\n\n\n\n
Your vacant home insurance covers threats, such as inclement weather, smoke damage, windstorm damage, explosions, and civil unrest.\u202f <\/p>\n\n\n\n
Work with your insurance agent to understand how to properly insure your vacant property and what your home insurance actually covers<\/a>. <\/p>\n\n\n\nTailoring Your Policy to the Unique Needs of Your Getaway Home<\/strong> <\/h2>\n\n\n\nHow you plan to use your new vacation property will determine what kind of vacation home insurance policy you need.\u202f <\/p>\n\n\n\n
Some questions you should ask are:\u202f <\/p>\n\n\n\n
\n- Will you exclusively be using the home?\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Will you rent the property out?\u202f <\/li>\n<\/ul>\n\n\n\n
\n- Will you rent it out full-time? Part-time? Or infrequently?\u202f <\/li>\n<\/ul>\n\n\n\n
\n- How long will the rentals be?\u202f <\/li>\n<\/ul>\n\n\n\n
How Home Rental Activity Affects Your Coverage Choices<\/strong> <\/h3>\n\n\n\nHow much you rent out your vacation home will affect your insurance policy options.\u202f <\/p>\n\n\n\n
In California, short-term rentals<\/a> are considered a business and will not be covered by traditional homeowners insurance. You need to purchase a short-term rental insurance policy for a property rented out for 30 days or less. These types of rentals are generally managed through companies like Airbnb, VRBO, and others.\u202f <\/p>\n\n\n\nLandlord insurance is coverage for you as the property owner who may rent out your vacation home full-time. Landlord insurance usually covers the same things as your standard homeowner’s policy but the coverage limit is the tenant’s belongings. Those can be covered by renters insurance purchased by the tenant.\u202f <\/p>\n\n\n\n
If you plan to rent your property out infrequently, ask your insurance agent about a rental rider. A rental rider is additional coverage you can purchase on top of your existing policy.\u202f <\/p>\n\n\n\n
Protect Your Vacation Home From Unexpected Risks. Get a Free Quote for Tailored Insurance Coverage Today and Enjoy Peace of Mind While You\u2019re Away!<\/strong> <\/h2>\n\n\n\nAre you ready to purchase a vacation home for those special times and family memories? Protect your vacation home from unexpected risks with Cost-U-Less. You are not alone in your vacation home adventure. We are here to help.\u202f <\/p>\n\n\n\n
Call Cost-U-Less Insurance at (800) 390-4071 or get a fast and free insurance quote online<\/a> for tailored insurance coverage today and enjoy peace of mind while you’re away! Or feel free to stop in one of our convenient locations<\/a>. <\/p>\n\n\n\nFrequently Asked Questions<\/strong> <\/h2>\n\n\n\nDo I Need Different Insurance for a California Vacation Home Versus My Primary Residence?<\/strong> <\/h3>\n\n\n\nYes, you will need a separate home insurance policy from your primary residence for your vacation home. A standard homeowners policy provides plenty of coverage if your vacation home is solely for personal use.\u202f\u202f <\/p>\n\n\n\n
Your vacation home brings unique coverage needs, which require a specific vacation home insurance policy.\u202f <\/p>\n\n\n\n
Can I Bundle My Existing Home Insurance with my California Vacation Property?\u202f<\/strong> <\/h3>\n\n\n\nThe good news is that you can often bundle your primary and secondary home insurance<\/a> for a multi-policy discount. However, each policy will be covered with a separate contract.\u202f <\/p>\n\n\n\n<\/div>\n\n\n\n
- \n
- Earthquakes and Floods<\/strong>: You will need to know what your insurance covers<\/a>, and the standard policy does not cover earthquakes and floods. For this reason, you may need additional coverage.\u202f <\/li>\n<\/ul>\n\n\n\n
Rebuilding after a disaster can be financially overwhelming. Purchasing the best vacation home policy can give you peace of mind knowing that your insurance will help mitigate those costs.\u202f <\/p>\n\n\n\n
Essential Coverage Components for Your California Retreat<\/strong> <\/h2>\n\n\n\n
Your second home policy will typically have the same basic coverage as your primary home insurance.\u202f <\/p>\n\n\n\n
The coverages you will most likely encounter include:\u202f <\/p>\n\n\n\n
- \n
- Dwelling Coverage<\/strong>: This covers the physical structure of your primary home structure so you can repair or rebuild.\u202f <\/li>\n<\/ul>\n\n\n\n
- \n
- Other Structures Coverage<\/strong>: This covers the repair or replacement of any detached garage, fence, shed, or any other damaged structures.\u202f <\/li>\n<\/ul>\n\n\n\n
- \n
- Personal Property Coverage<\/strong>: This helps cover the cost of replacing lost personal property, such as furniture, clothing, and appliances.\u202f <\/li>\n<\/ul>\n\n\n\n
- \n
- Personal Liability Coverage<\/strong>: This covers you if someone gets injured in your home and you are sued.\u202f\u00a0<\/li>\n<\/ul>\n\n\n\n
Additional Coverage Options Worth Considering<\/strong> <\/h3>\n\n\n\n
While your vacation home does have the same basic coverage as your primary residence, it often does not cover everything. For example, your standard policy probably does not include flood insurance in instances of natural disasters.\u202f <\/p>\n\n\n\n
Remember that your insurance will only cover the perils listed in the contract. If the house is potentially at risk of damage from wildfires, storms, earthquakes, or water, confirm that those are included in the contract. Keep in mind your successful claim is dependent on evidence you\u2019ve been performing the normal maintenance to keep your home in good shape. For example, before winter, there are some things you should do to prepare your home for the coming cold<\/a> so a potential flood from frozen pipes will be covered. <\/p>\n\n\n\n
How to Overcome Common Hurdles to Insuring a Second Home in California<\/strong> <\/h2>\n\n\n\n
By its very nature, a second home property will not be occupied as often as your primary location. This also offers a new list of challenges that will affect your insurance policy.\u202f <\/p>\n\n\n\n
There are a few scenarios that should be considered when your property is left vacant. A vacant or unoccupied property is at a higher risk of being targeted by burglars and vandalism. The good news is that you can be proactive against burglaries, such as installing a security system, and possibly receive a discount on your policy.\u202f <\/p>\n\n\n\n
Undetected problems can quickly turn into far worse problems in an unoccupied property. These issues can include mold, burst water pipes, and fires.\u202f <\/p>\n\n\n\n
Vacation homes are also often in higher-risk areas. These high-risk areas include the beach where you’re at risk for flooding and heavily wooded areas where forest fires can happen. If your home is in a major city, you may need to consider vandalism and theft as possibilities.\u00a0<\/p>\n\n\n\n
<\/div>\n\n\n\n<\/figure><\/div>\n\n\nMinimizing the Impact of Vacancy Periods on Your Premium<\/strong> <\/h3>\n\n\n\n
It is important to understand the difference between unoccupied and vacant properties. Unoccupied properties are typically seasonal residences where the homeowners intend to return in the foreseeable future. A vacant home, however, is not being used for an extended amount of time.\u202f <\/p>\n\n\n\n
If your vacation home is going to be vacant then you need to invest in vacant home insurance as part of your homeowner’s insurance policy or as a standalone policy.\u202f When a property is vacant small problems are more difficult to detect and can lead to large issues if left alone.\u202f <\/p>\n\n\n\n
Your vacant home insurance covers threats, such as inclement weather, smoke damage, windstorm damage, explosions, and civil unrest.\u202f <\/p>\n\n\n\n
Work with your insurance agent to understand how to properly insure your vacant property and what your home insurance actually covers<\/a>. <\/p>\n\n\n\n
Tailoring Your Policy to the Unique Needs of Your Getaway Home<\/strong> <\/h2>\n\n\n\n
How you plan to use your new vacation property will determine what kind of vacation home insurance policy you need.\u202f <\/p>\n\n\n\n
Some questions you should ask are:\u202f <\/p>\n\n\n\n
- \n
- Will you exclusively be using the home?\u202f <\/li>\n<\/ul>\n\n\n\n
- \n
- Will you rent the property out?\u202f <\/li>\n<\/ul>\n\n\n\n
- \n
- Will you rent it out full-time? Part-time? Or infrequently?\u202f <\/li>\n<\/ul>\n\n\n\n
- \n
- How long will the rentals be?\u202f <\/li>\n<\/ul>\n\n\n\n
How Home Rental Activity Affects Your Coverage Choices<\/strong> <\/h3>\n\n\n\n
How much you rent out your vacation home will affect your insurance policy options.\u202f <\/p>\n\n\n\n
In California, short-term rentals<\/a> are considered a business and will not be covered by traditional homeowners insurance. You need to purchase a short-term rental insurance policy for a property rented out for 30 days or less. These types of rentals are generally managed through companies like Airbnb, VRBO, and others.\u202f <\/p>\n\n\n\n
Landlord insurance is coverage for you as the property owner who may rent out your vacation home full-time. Landlord insurance usually covers the same things as your standard homeowner’s policy but the coverage limit is the tenant’s belongings. Those can be covered by renters insurance purchased by the tenant.\u202f <\/p>\n\n\n\n
If you plan to rent your property out infrequently, ask your insurance agent about a rental rider. A rental rider is additional coverage you can purchase on top of your existing policy.\u202f <\/p>\n\n\n\n
Protect Your Vacation Home From Unexpected Risks. Get a Free Quote for Tailored Insurance Coverage Today and Enjoy Peace of Mind While You\u2019re Away!<\/strong> <\/h2>\n\n\n\n
Are you ready to purchase a vacation home for those special times and family memories? Protect your vacation home from unexpected risks with Cost-U-Less. You are not alone in your vacation home adventure. We are here to help.\u202f <\/p>\n\n\n\n
Call Cost-U-Less Insurance at (800) 390-4071 or get a fast and free insurance quote online<\/a> for tailored insurance coverage today and enjoy peace of mind while you’re away! Or feel free to stop in one of our convenient locations<\/a>. <\/p>\n\n\n\n
Frequently Asked Questions<\/strong> <\/h2>\n\n\n\n
Do I Need Different Insurance for a California Vacation Home Versus My Primary Residence?<\/strong> <\/h3>\n\n\n\n
Yes, you will need a separate home insurance policy from your primary residence for your vacation home. A standard homeowners policy provides plenty of coverage if your vacation home is solely for personal use.\u202f\u202f <\/p>\n\n\n\n
Your vacation home brings unique coverage needs, which require a specific vacation home insurance policy.\u202f <\/p>\n\n\n\n
Can I Bundle My Existing Home Insurance with my California Vacation Property?\u202f<\/strong> <\/h3>\n\n\n\n
The good news is that you can often bundle your primary and secondary home insurance<\/a> for a multi-policy discount. However, each policy will be covered with a separate contract.\u202f <\/p>\n\n\n\n
<\/div>\n\n\n\n
- How long will the rentals be?\u202f <\/li>\n<\/ul>\n\n\n\n
- Will you rent it out full-time? Part-time? Or infrequently?\u202f <\/li>\n<\/ul>\n\n\n\n
- Will you rent the property out?\u202f <\/li>\n<\/ul>\n\n\n\n
- Will you exclusively be using the home?\u202f <\/li>\n<\/ul>\n\n\n\n
- Personal Liability Coverage<\/strong>: This covers you if someone gets injured in your home and you are sued.\u202f\u00a0<\/li>\n<\/ul>\n\n\n\n
- Personal Property Coverage<\/strong>: This helps cover the cost of replacing lost personal property, such as furniture, clothing, and appliances.\u202f <\/li>\n<\/ul>\n\n\n\n
- Other Structures Coverage<\/strong>: This covers the repair or replacement of any detached garage, fence, shed, or any other damaged structures.\u202f <\/li>\n<\/ul>\n\n\n\n
- Dwelling Coverage<\/strong>: This covers the physical structure of your primary home structure so you can repair or rebuild.\u202f <\/li>\n<\/ul>\n\n\n\n