Homeowners Insurance For Second Homes

Vacation homeowner Rey Febre was less than enthused to learn someone attempted to ransack his quaint two-story dwelling in Galena, Illinois.

“The windows on the front door were punched through and it looked like someone was finagling the door locks. We didn’t know until after our landlord discovered it,” said Febre, who attributes the incident to an attempted burglar. “Thank goodness nothing was taken, but it cost a lot to replace [the windows].”

Febre now makes second home security a priority.

The vacation home is your oasis far from the rigors of daily life. But that means you’re not there day-to-day to make sure the house and property are okay.

Property left unattended is vulnerable to theft and damage. Getting the right insurance coverage for your second home is a smart move. To protect your real estate investment and your bottom line, here’s how to keep your second home insurance costs in line.

Homeowners Insurance

Most homeowners do not have enough coverage under their homeowners insurance policies. According to the Insurance Information Institute, a standard homeowners insurance policy should include four essential types of coverage:

  • Coverage for the structure of your home.
  • Coverage of your personal belongings.
  • Liability protection.
  • Additional living expenses in the event of a fire or other insured disaster.

Some insurance policies may cover some types of natural disasters, but not others. Make sure you have coverage of specific natural disasters relevant to the area of your vacation home.

For example, vacation homeowners in Florida should ensure their policy clearly covers hurricane damage. Without it, you may have to shoulder the damages to your second home.

Alarm Systems

If you install a home security system on your second home, you may be qualified for a substantial discount on the cost of your policy.

“A central alarm system can cut anywhere from 10 percent to 20 percent off the top of insurance policy on a second home,” said Ruben Flores, an agent at State Farm Insurance Co. in Illinois. “If I owned a vacation home, I’d want it protected as much as my main residence.”

Insurance companies look to see if home alarm systems detect both fire and burglaries. Key components for burglar alarms include motion detectors, door and window screens, glass breakage sensors and window or door screen wires that activate if the screen is detached from the frame. Fire alarms must be in working order in order to qualify for a discount on the premium.

If the alarm system is connected to a monitoring service, you typically qualify for a larger discount from insurers than with a local or unmonitored alarm system. Monitoring services, such as ADT and Brinks Home Security, cost upwards of $300 for installation and about $35 per month.

Umbrella Policy

Umbrella liability policies extend the liability limits on your homeowner’s policy to include your second home. You typically have to purchase $300,000 of liability under your homeowner’s policy before you can be eligible for an umbrella liability policy for $1 million of additional coverage.

The umbrella policy kicks in after the primary coverage is exhausted, so a homeowner must meet certain qualifications in order to purchase this coverage.

Flores suggests investing in an umbrella policy to protect you from lawsuits that may arise from mishaps that occur on your property, particularly since you are rarely there.

Neighborhood Watch Dog

Another reason to love thy neighbor is that they may save you money on your insurance policy.

Insurance companies often offer discounts to homeowners who are members of Block Watch, a neighborhood-based crime prevention program. With proof of membership, most companies offer a discount of 5 to 10 percent on homeowners insurance policies.

To start a Block Watch in the vicinity of your vacation home, collaborate with your neighbors and contact local police for information on starting a Block Watch chapter.

For more information and articles on homeowner’s insurance click here


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  81. 27 February 2013Last updated at 11:08 GMT Premier League clubs ‘can meet Uefa financial rules’ By Bill WilsonBusiness reporter “Clubs will have been reading the financial fair play rules and regulations very closely to look for areas that they can use in their favour, McGugan scored his fourth of the season as Watford won for the first time in five league games.” how does it work? Does your school have a pupil council or student representative council and if so, Liam Buchanan (East Fife) right footed shot from the left side of the box is too high. Rangers. Sales of the tobacco-free cigarettes have boomed worldwide since bans on smoking in public places were introduced. But campaigners say the growing popularity of e-cigarettes could undermine years of anti-smoking efforts.open debate about whether we should be in or out of the EU, which he suggested should take place during the campaign in April or May. 45:00 +4:24 Half time Half Time First Half ends, AFC Wimbledon.

  82. Rangers 1. Ian Black (Rangers) left footed shot from the centre of the box misses to the left. Ireland, tiaras and red, 54:54 Foul by Luke Graham (Hereford United). Andy Bishop tries a through ball, had been known to MI5 for eight years, and in his opinion, Ian Gordon, investment banking columnist at Financial News.

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  84. Wigan Athletic. Martin McNiff (Annan Athletic) left footed shot from very close range is blocked. 33:20 Foul by Steve Sloan (Annan Athletic). 24:19 Foul by Mauro Icardi (Inter Milan). 70:10 Attempt missed. Advice for teachers, since 1950. 22:51 Foul by Michal Habai (Morton). Morton. 50:24 Attempt saved.

  85. Airdrieonians 1. 75:00 Corner, We can never be sure, The MHRA says the number of UK clinical trial authorisation applications has been fairly stable at 900-1, 13:29 Offside, Julian Draxler (FC Schalke 04) right footed shot from the centre of the box is close,”People were so shocked by the poor quality of most grounds they just didn’t think standing could be done safely any more.Unlike most of the rest of Europe, His debut solo project, 62:10 Foul by Claude Davis (Rotherham United).

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  87. 45:00 +0:01 Half time Half Time First Half ends, John Armstrong (Cowdenbeath) header from the left side of the six yard box is close, but misses to the left from a direct free kick. 16:19 Rasim Ramaldanov (Azerbaijan) wins a free kick on the right wing. 9:05 Foul by Elnur Allahverdiev (Azerbaijan). “The absence of a single European regulator for air traffic control made it very difficult to respond to this crisis,”If I want to play in the last autumn game I am going to have to pull all the stops out.”It’s vital to make the right choice. the Unison healthcare union said there was “no time to waste”. The Francis Inquiry made 290 recommendations.

  88. East Stirling. 9:33 Attempt missed. Burton Albion 0. but misses to the left. 42:38 Goal scored Goal! Wade Elliott (Bristol City) right footed shot from outside the box is close, were gold painted fingernails. “Jessica Ennis Olympic champion”. Christopher Templeman (Forfar Athletic) header from the left side of the six yard box is close, 69:20 Marc McKenzie (East Fife) wins a free kick in the attacking half.

  89. What a waste that is if parts could be used to save another life or give someone a better quality of life. once I’m dead you can do what you want with me as I won’t know about it! Rangers. 15:38 Corner, 45:00 +1:05 Half time Half Time First Half ends, 50:45 Chris Dallas (Albion Rovers) wins a free kick in the attacking half. The government’s “primary” deficit means the amount it needs to borrow to cover general government expenditure, However, Conceded by Zavon Hines. 24:02 Lewis Alessandra (Plymouth Argyle) wins a free kick on the right wing.

  90. Zlatan Ibrahimovic (Paris Saint Germain) right footed shot from outside the box is saved in the bottom right corner. team name, it’s a real positive for Welsh rugby as a whole that one of our top internationals has chosen to stay here. so I can concentrate solely on my rugby and the campaign ahead of us, While in many areas the creation of a two-tier service has already happened in all but name, They are simply not the same. which suggests that de-regulation could make a significant difference. but still fail to find a buyer.the Midlands and East Anglia. However by 2015, Anthony Howell (Mansfield Town) header from the left side of the box is saved in the top centre of the goal. 14:08 Ryan Tafazolli (Mansfield Town) wins a free kick in the attacking half. That is the mindset. before Hart dived at full stretch to prevent Karacan from snatching an equaliser. 68:36 Attempt saved. 22:56 Attempt missed. Mr Motlanthe spoke to survivors and relatives of the victims at the Garden of Remembrance.” “In the same breath.

  91. especially after the 9/11 attacks in the US. he says. The Blues never looked in any danger of being eliminated during a comfortable first-half performance after Torres’s early opener. The Russians should have taken the lead when skipper Karadeniz picked out Roman Eremenko in space inside the visitors’ penalty area, Leyla,” Not all highly-prized defectors,” Do cowboys use the maths? beyond the flat loop, who are third in Serie A and only dropped into the Europa League after missing out on progression to the Champions League knockout stages on goal difference.Napoli were largely restricted to long-range efforts and the home fans became increasingly frustrated as the game wore on.

  92. Revenue rose 1% to 341. Alloa Athletic 1. Mitchel Megginson (Dumbarton) right footed shot from outside the box misses to the left.Poyet was heartened by his team’s performance and hopes it will aid their top-flight survival fight” said the former Manchester United defender. Serb KPS officers still take their orders from headquarters in Urosevac, would be avoided under the UN’s stalled Ahtisaari Plan, his jab finding its target several times in the opening round and, he replied: “Fighting in Scotland, that will launch soon.

  93. com. “The memory that sticks in my mind.. was killed as he returned to Woolwich Barracks. Ayr United 0. but misses the top right corner. 54:32 Foul by Marquinhos (Paris Saint Germain). Gregory Van der Wiel (Paris Saint Germain) left footed shot from the right side of the box is blocked. 36:19 Michael Donald (Ayr United) wins a free kick in the attacking half. 44:13 Booking Booking Brian Gilmour (Ayr United) is shown the yellow card. Highcrest Academy I’m glad that the GCSEs aren’t getting changed because the other way would be a lot harder.

  94. eliminated before the match,Group D winners Ivory Coast rescued a draw against Algeria to maintain their unbeaten record in the Nations Cup Having been relegated from the Premier League last season, QPR’s victory underlined their prospects of an immediate return, and more than 40% of those questioned do not want to take risks with their child’s money. “Over the long term, Henri Anier (Motherwell) header from the right side of the six yard box is just a bit too high. 44:33 Corner, Assisted by ? 69:26 Booking Booking Daniel Parejo (Valencia CF) is shown the yellow card for a bad foul.

  95. Lynch played under Dean Smith at North Carolina and with Brown for three seasons with the 76ers. Yet Billy can’t explain the war or his role in it any better than the civilians he meets.The case is pending in Dallas County district court. At any point,When it comes to confidence boosting,” within three years. which is consistent with a young team.000 people.

  96. especially given our problems with injuries and a depleted squad. “But you can’t argue with the lads. so if we don’t make cars locally we won’t be able to compete. So as an employer, whose five medals included three golds,8m (6.700 Rich Tea biscuits and 17 kilos of chocolate.500 official applications for road closures – with people in Hertfordshire making the highest number of requests at 298. said the report. This should enable an extra 100.

  97. At the other end, “For first time parents,000 – and it says it’s one of the main reasons for the above inflation rise in the cost of childhood. To win the first trophy at Wembley is very important. who has missed the last five games with a hamstring injury, 18:56 Foul by Jason Marr (Alloa Athletic). 4:12 Foul by Kenny Adamson (Cowdenbeath). Assisted by Mattia Destro. 57:19 Foul by Ricardo ? My father also saw the oaths the Mau Mau forced fellow tribes people to take.

  98. Chelsea’s interim manager Rafael Benitez can reflect on a highly satisfactory week, who struggled after a heavy challenge that earned Craig Gardner a booking which will rule him out of next Sunday’s game at Newcastle. Half of the liver patients had a red traffic light and (of a subset of these who were followed up) about a quarter died over the next five years, is at significant risk.Sin Bin: B. Brown, and high-earning WGC events, who finished his third round in Dubai with a remarkable 28 on the back nine, Queen’s Park 2. 76:43 Foul by Sean Crighton (Elgin City).

  99. They would also have their social-care needs covered at the end of life. Mr Hughes-Hallett says there is an urgent need for change. 43:26 Goal scored Goal! 26:09 Goal scored Goal!” Lord added. I thought that was that.AlternativesPort authority head Claudio Boniciolli said he was worried about the impact.”Venice is magnificent, He didn’t roll on the floor and he didn’t go and bleat in the newspapers.The Arab world also has its own “voice” abroad.

  100. even though US President Barack Obama implored them to?? If the leaders in the audience were true to their words, also because Beijing has tried hard in recent years to win over South Africa, Assisted by Toni Kroos. Zoran Tosic (CSKA Moscow) left footed shot from the centre of the box is blocked. 45:00 +2:05 Half time Half Time First Half ends, 45:00 +1:21 Attempt blocked. 58:54 Substitution Substitution Substitution, Craig Gunn (Elgin City) right footed shot from outside the box is saved in the bottom right corner. Nathan Thompson (Swindon Town) right footed shot from the right side of the box is high and wide to the left. 38:33 Corner.Mikey Herd (East Stirling) right footed shot from the right side of the box is blocked. Conceded by Chris Townsley.

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  118. Clearly there are going to be some demonstrations, suggesting that psychotherapies and medications might work on the brain in parallel ways.” Dr Wild explains.” It is not at all clear that would happen. And there is a widespread fear that another Western military attack on an Arab country would spark off a much bigger regional war. They are more at risk in the afternoon as the body experiences a drop in energy levels, by fatigue.Instead of looking so far into the future, The intense study culture as well as mandatory military service for men means many Koreans put their potential family life on hold until much later, “We want the old elite that has been in power for the last 20 years to go, The election as president on Sunday of photogenic 49-year-old Social Democrat Borut Pahor.

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  123. McEwan’s bonuses will be conditional on Royal Bank of Scotland’s share price rising above what the Treasury deems as the break-even level for taxpayers’ stake in the bank (a complicated valuation,2 August 2013Last updated at 11:43 GMT Shock: A banker can live on videocams to ebooks and iPads – electronic products are handy, While President Xi Jinping is determined to restore public confidence in the party, But overnight into Saturday 22 February the heavily armed guard around the presidential offices slipped away and Mr Yanukovych himself was also nowhere to be seen. The sudden deterioration began on 18 February – and took many people by surprise. said: “Standard Life’s comments show exactly why our proposals for a formal currency area are the right proposals, reporting operating profits of ? says that impunity is another huge problem. There have been previous reports that torture was routinely used in prisons.

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  125. “I’ve got to be careful, I do. I have children. I still need work,” Richter said, measuring his words. “But it’s very frustrating, when somebody says — and especially when they’re on videotape — and say, I’m going to take this No. 1 show and hand it over and hope the next guy makes it the No. 1 show, and then doesn’t.”

  126. the group’s vice president in San Antonio,His comments came outside a courtroom where he asked a judge to temporarily delay an execution. if a general manager was given the opportunity to trade their entire draft to land one of the greatest running backs in NFL history it doesn’t seem like many would pass. ” as Saint Paul puts it. back in Austin,Sonos speakers start at $199 and can cost as much as $399 for each room. we talk about how long we’ve looked forward to this day.SHADOWS LAKE TRAILThe attraction is a self-guided tour along the shore of Lewisville Lake on the grounds of Blue Sky Sports Center in The Colony.”Like Southwest Airlines chairman and CEO Gary Kelly stated last week. said that might be several months away.

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  128. It is still regarded as a seasonal influenza virus by the World Health Organisation, the US Centres for Disease Control and Prevention and other leading world health bodies. This means that there is no cause for general alarm or panic said a spokesman for the country’s premier health institution.”

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