Vacation Home Insurance Quotes
Vacation homes should be all about fun, but unfortunately, they’re not always fun to insure! As you’ve probably discovered, some insurance carriers have no interest in providing coverage for unoccupied houses or rental properties. However, if you need to insure your vacation home, you’ve come to the right place. Here at Lowcountry Insurance, we specialize in vacation home coverage.
As you know, South Carolina is a vacation destination, so it’s no surprise that many of our clients have vacation homes, second homes, and vacation rental properties. Over the years, we’ve partnered with trusted companies to provide personalized vacation home insurance protection at competitive rates.
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How Lowcountry Insurance can help insure your second home:
- Vacation home insurance
- Insurance for rental property
- Vacant home insurance
- Unoccupied house insurance
- Landlord buildings insurance
- Landlord property insurance
- Landlord liability insurance
- Second home insurance
Our qualified South Carolina vacation home team members can work with you to help you understand underwriting criteria and take the necessary steps to attain affordable and reliable vacation home insurance rates. For example, if your vacation home is located in a coastal region, you may be able to significantly reduce your vacation home insurance premium with some hurricane-proofing steps, such as installing wind-resistant garage doors and roofing or impact-resistant glass windows.
Year-Round Rates vs. Rates for Unoccupied Homes
Generally speaking, rates for unoccupied homes are higher than for those occupied year-round, simply because the risk of theft or catastrophic fire is higher during periods of vacancy. However, if your vacation home is vacant or unoccupied at certain times during the year, you may save money on your vacation home insurance premium by installing an alarm system, a fire sprinkler system, or a fire-resistant roof. Also, make sure to follow a few precautions to minimize your chance of having a theft or vandalism claim at your vacation home property:
- Use effective, functional window latches and locks.
- Install light timers.
- Replace fire and carbon dioxide alarm batteries.
- Ask someone who lives nearby to check on the house at least once a week.
- Turn off the pilot light for any gas fireplaces.
- Unplug all portable heaters and appliances.
Whatever your vacation home or second home insurance need, Lowcountry Insurance can help! We have relationships with many of the nation’s leading vacation home insurance carriers, so you can count on us to give you an objective assessment of your vacation home risks, insurance options, and rates.
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