© 2011 Farmin Rothrock & Parrott Companies We Feature... © 2011 Farmin, Rothrock & Parrott, Inc Secondary Home Insurance Secondary or seasonal homes are great investments as they guarantee that great vacation spot you love is available each and every year. Sometimes secondary homes are also a bridge toward retirement as many people plan to ultimately make the secondary home their primary one. Most coverage concerns about a secondary home are similar to those pertaining to the primary home. Important elements are adequate limits to replace the home and contents, and liability limits that protect the assets you have worked to accumulate. Normally, we try to place our clients’ secondary homes in the same market that we have their primary homes because certain discounts may apply to help lower the premium. Also, some insurance companies won’t insure a secondary home unless they also insure your primary home. If your primary home is located in a different state than your primary home, you may find that the company insuring your residence won’t cover the out of state secondary home. In that case, since we are licensed in many states, we can examine the possibility of insuring both homes in a different company, or perhaps just placing the secondary home with a company that offers insurance on “stand-alone” secondaries, which means the company only insures the secondary, not your primary home. Many secondary homes in vacation areas present unique insurance risks. Often they are located in areas with little or no fire protection or they may have unique construction, such as log. In these cases we have access to specialty insurance companies that cater to these risks and can provide the protection you need. As part of your vacation planning, be sure to call us for an insurance review on your secondary home. Request a Quote for Secondary Home Insurance For Even Faster Service, Call Us Right Now! (509) 323-3232 8:00AM - 4:30PM Monday - Friday