You can choose customizable coverage for your seasonal or vacation home even if you don’t insure your primary residence. Here are some of the risks you can help manage.
Risk:
Freezing rain hits your mountain cabin during a January storm. When the ice builds up, your porch’s awning collapses.
Coverage:
Comprehensive property coverage can help with damage caused by the weight of ice and snow.
Risk:
Your fishing buddy slips and falls on the steps to your front porch. The doctor says nothing is broken—but he’ll need to stay off his ankle for a few days.
Coverage:
Liability coverage can help with medical bills and time off work if you’re legally responsible for an injury.
Risk:
Lightning strikes close to your house at the lake — destroying a television and audio system.
Coverage:
Replacement cost on personal property can help by replacing your damaged entertainment equipment with brand new components.