At Great Michigan Insurance in Marshall, MI, we provide coverage for individuals who own one, two, or even three homes! Protecting a vacation home is a priority whether you’re actively using it or it’s vacant. Since a lot can happen to a vacation home left unoccupied for lengthy periods, it’s crucial to understand the different requirements for insuring a vacation home before assuming a regular home insurance policy will suffice. For more information about home insurance for vacation homeowners, do not hesitate to contact our office.

What Is Home Insurance?

Home insurance is designed to protect your primary residence. It shields personal property against damage from events specified in your policy, provides liability coverage, and covers other expenses detailed within the policy’s guidelines. Home insurance is also referred to as "homeowner’s insurance." Each policy can vary, so discussing your particular policy’s specifics with our agents is highly advisable if we insure you.

Does Home Insurance Cover a Vacation Home?

Typically, a standard home insurance policy does not extend to cover a vacation home. You’ll have secondary dwelling insurance to secure coverage for a vacation home. As vacation homes are often left vacant for portions of the year, they tend to be at higher risk for theft and vandalism. Secondary dwelling policies are crafted to reflect these risks in their terms and limits. While managing more than one insurance policy for multiple properties may feel overwhelming, we strive to streamline this process, making it as easy and stress-free as possible. Having professional insurance agents guide you every step of the way can significantly reduce the strain this process may entail.

Contact Great Michigan Insurance

For more information on home insurance and protecting your vacation home, contact us at Great Michigan Insurance in Marshall, MI.