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Specializing In Providing Vacation Home Insurance:We’ve Got You Well Covered

Many of our high-net-worth clients at Cal-Nevada Insurance Agency own vacation homes, whether it’s a getaway overlooking the Pacific in Northern California, a chalet in Incline Village or a luxury home on a golf course in Scottsdale. We provide them with a comprehensive insurance program designed to address the unique exposures that come with owning a vacation home. It’s important to note that a standard Homeowners policy may have usage restrictions that limit coverage for properties that are left vacant for long periods, as secondary homes often are. The most suitable policy for a getaway property is Vacation Home insurance.

Coverage Benefits

You can tailor your policy to seasonal use, and if the property is a high-value home, Cal-Nevada Insurance Agency will navigate you through any extra processes for covering all its structures and contents. Your policy also contains a liability component so third-party injuries will have coverage.

You will be covered for losses due to weather, theft, vandalism, fire and other named perils, depending on the policy you choose. Some insurers offer private client services for high-value vacation homes, including wildfire risk mitigation and security services. Rebuilding to “green” standards can often be accommodated, and coverage for landscaping and other exterior enhancements is frequently an option.

Special Considerations

Fine art, Persian rugs, guest use of the home, swimming pools, tennis courts and boat docks with or without boats are all extra items that need to be insured in association with your vacation property if they apply, so let’s talk about all the details.

If you rent out your home through a site like Airbnb or HomeAway, please sure to discuss this with us, as you may need separate coverage for short-term vacation rentals.

We can also provide you with Flood and Earthquake insurance policies available for properties that are at risk.

Let Us Make A Difference in Protecting You Against Risk

To learn more about our approach in protecting clients against the various business and personal risks they face today, or to schedule a meeting with one of our professional insurance advisors, please contact us at (866) 670-5948, or e-mail us at info@calnevadains.com.