Regardless of whether you use your second home regularly or just seasonally, having home insurance is just as important as the coverage you have for your primary home. It is essential to have protection for your second home in Senatobia, MS.

A standard home insurance policy for your second home will provide protection from damage due to a number of different situations, such as wind, lightning, and fire. At Storey Insurance, we are here to help in the event that your second home becomes damaged from a covered situation. The coverage that we provide can help with the cost of rebuilding.

In addition, home insurance for your second home should also include personal liability coverage. You will need this type of coverage to help with the expenses of a lawsuit if you are found responsible for someone being injured on the property.

Factors That Affect Second Home Insurance

While insurance for your second home is important, you should also be aware that you may require additional coverage. You do not use your second home the same way that you use your primary home. Therefore, it may be susceptible to additional risks.

Some things that may affect coverage for your second home include:

• Replacement cost
• Vacancies
• Location
• Rentals

There are also additional coverage types available that you may want to add to your second home insurance policy, such as:

• Personal property coverage
• Personal umbrella policy
• Personal liability
• Flood insurance
• Full replacement cost

Whether your second home is a personal getaway or you have plans to turn it into a rental, Storey Insurance is here to help you make sure that you have the right coverage. Call us for more information about second home insurance in Senatobia, MS. We can help make sure that you understand all of the details and what exactly is included in your policy.