A second home insurance policy will provide the following coverages:
- Dwelling coverage– Covers the structure of your secondary residence against perils like fire, weather-related damage, and theft
- Other structures coverage– Covers additional structures on your property, including gardening sheds, garages, and boat docks
- Personal property coverage– Covers personal belongings in your second home, such as furniture, clothing, kitchenware, and more
- Loss of use coverage– Covers additional living expenses in the event your second home becomes uninhabitable due to a covered loss and you need to live somewhere else temporarily
- Personal liability coverage– Covers legal and medical expenses if you’re held legally responsible for someone else’s injury or property damage
- Medical payments coverage– Covers guests’ medical expenses if they sustain a minor injury on your property
