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Seasonal and Vacation Property Insurance Coverage
Vacation homes can be amazing getaways from the hustle bustle of everyday life, but a vacation property isn’t your primary residence, so why insure it like it is?
What Is Seasonal and Vacation Property Insurance?
Seasonal and Vacation Property insurance from Kinghorn Insurance Agency provides coverage for accidental damage, liability, and loss, as provided in the insurance policy.
For your convenience, you can choose a prepackaged policy or customize a policy to meet your specific situation. We don’t even require that you insure your primary residence with us in order to cover your seasonal or vacation secondary property.
Seasonal Home Insurance Coverage and settlement options:
Comprehensive Property Coverage
This means we can cover most direct, sudden, and accidental physical losses not specifically excluded in your policy.
Liability Coverage
Liability insurance covers you if you’re found legally responsible for an accident that either causes injury to someone who doesn’t live in your home, or that causes damage to another’s property.
Named Peril Coverage
This means we can cover “perils” (such as fire, explosion, lightning, windstorm and hail) that are specifically named in your policy, subject to policy exclusions and conditions.
Actual Cash Value (Partial Loss)
In the event of a partial loss by an insured peril (like if a hail storm breaks a few windows), this covers the cost to replace or repair your damaged property, with a deduction for depreciation and minus any applicable deductible.
Agreed Loss Settlement (Total Loss)
If your home is destroyed by an insured loss, you will receive the full amount of insurance you purchased for your home, minus any applicable deductible. Availability of the “Agreed Loss Settlement” option may depend on the type of policy written.
Replacement Cost
Purchase optional Replacement Cost coverage and receive a settlement that reflects the cost to replace the damaged property with new property of comparable material and quality, without any deduction for depreciation.
Extended Replacement Cost
You may receive up to an additional 25% of the amount of insurance necessary to replace your home. Extended Replacement Cost is not available in all states.
We also offer options for:
- Replacement Cost coverage on Personal Property
- High Liability Limits
Contact an Agent and Get a Quote
Cover your seasonal or vacation home, and everything you love about it, with a specialized policy that offers you the coverage you want. Get a quote today, or contact your local Kinghorn Insurance Agency agent for more information.
Contact a Kinghorn Insurance Agency Agent today at 843.713.3911 or 843.837.3911 or 843.686.3911
Important:
- You cannot bind, alter, cancel or change coverage by email or voicemail.
- You must speak with an authorized representative of Kinghorn Insurance Agency, LLC.
- In case of an emergency, please dial 911.
