You know the importance of homeowners insurance on your primary residence, but things can get a little bit tricky when you own multiple properties. Insuring your summer home is important, and it can make sense to take out an even more protective insurance policy on your home away from home. At Murvay Insurance, serving Newport Beach, CA, we understand the importance of insurance on your second home.

First, think about location. Many summer homes are in areas that are more prone to weather-related damage than primary residences. Is your vacation home located near a beach, or in a mountain area known for severe weather? If so, you may want to purchase additional protection to keep your home safe in case of weather damage. 

Second, are you going to rent out your home to others? If so, you may want to take extra precautions when it comes to your insurance policy. You vet the people staying in your home, of course, but it’s hard to know exactly what will happen when you aren’t there. Amping up your insurance policy is smart if you use a service like VBRO or AirBnB to rent out your home, especially if you depend on the income you earn from renting. 

Lastly, do you have a pool or a hot tub attached or adjacent to your home? If so, it’s important that your policy covers personal injury and damages related to these structures. Your agent can talk to you about the type of coverage that makes the most sense for your pool or hot tub. 

Whether your second home is on the beach or a part of a ski resort, it’s important that you talk with an insurance agent who gets your needs. Stop into Murvay Insurance, serving Newport Beach, CA today- we’ll help you find the policy that makes sense for you.