Vacation Homeowners Insurance, Save-On Insurance

Many people in Southern California also own a vacation home in which they go to relax and take time off from the real world. But just because it is your vacation home, does not mean that it should not be insured. Unlike your primary house that you live in, a vacation home would require a different type of property insurance.
One factor that can affect the coverage of your vacation home is the amount of times that you use it. The fact of the reality is that many people who own vacation homes do not use it on regular bases. It is mostly used only during summer vacations or every other month or so for a couple of days. This also means that the risk of something going wrong is higher because you are not always around. For example, a lightning strike, a tree falling on your house, fire, break in, there really is no way for you to know if any of these things occur. So the fact that you’re not around your vacation home as much may very well prevent you from obtaining full homeowners insurance coverage.
Three general dwelling property insurance policies exist for those who own a secondary home, vacation home, based on policies that were developed by the Insurance Services Office.

  1. Dwelling Property 1- This is the basic form. The coverage under this is provided for lightning, fire, or internal explosions. No coverage for any additional living expenses or personal property is offered.
  2. Dwelling Property 2- This is the broad form. In actuality it is just the same thing as the basic form, except it provided coverage for additional living expenses.
  3. Dwelling Property 3- This is known as the special form. The special form is similar to a comprehensive homeowner’s insurance policy. The difference is that there is no liability/medical payments coverage or theft coverage for personal property with this special form.

Save-On Insurance guarantees you that you will find the cheapest and most affordable insurance policies for vacation homes than any other homeowner insurance company in Southern California. So give us a call today in order to find out more information on how you can protect your vacation home for cheap as well as living the rest of your life worry free knowing that your home away from home is safely insured.