3 Ways to Save on Vacation Home Insurance

For many families, after decades of hard work, being able to purchase a vacation home is a dream come true. However, if you are considering investing in a second home, it’s important to keep in mind that if the property is located near the coast and/or will not be inhabited year-round, it is at a greater risk of flooding, theft, fire, and other types of damage. The best way to protect your new property is by securing vacation home insurance, and we’ve put together a few ways to help you save on this type of coverage.

1. Call your insurance agent or conduct research on the types of vacation homes that cost the least to insure, before you enter into any agreements. Homes in gated communities and newer properties that have been constructed under stricter building codes, for instance, may cost less to insure.
2. Safety first. Keep safety in mind at all times when searching for your perfect vacation home. A fire-resistant roof on a home located in an area prone to wildfires, or a home with a security system installed to alert authorities in the event of a break-in while your home is vacant, for example, could help lower your rates.
3. Familiarize yourself with common insurance discounts and make updates to your home accordingly to help save over the long-term. For example, installing a security system, or changing all of the locks in your home to deadbolts, can help reduce your risks, and subsequently, your rates.

As independent insurance agents, we will take the time to learn about your new vacation home, ensure that you receive all of the discounts for which you qualify, and offer you suggestions on additional ways to save. Serving the Greater Littleton, N.H. area since 1880, you can rely on the agents at Hunkins & Eaton to find the right coverage at the lowest possible rate for your new property.

To get a free vacation home insurance quote, or a quote for your primary residence, call us today at 800-427-3975 or visit us online at www.hunkins-eaton.com. For additional safety tips and valuable resources, please read our other blog posts, and connect with us on Facebook, Twitter and Google+.