Home insurance for a vacation home has different considerations than home insurance for your main residence. <\/p>\n
One of the common concerns is the risk of leaving a home vacant for an extended period. Many insurance companies do not extend coverage automatically for a vacant home because there is enhanced risk of a break-in and vandalism.<\/p>\n
Ask your agent at Bajorek Agency Inc in Rochester, NY, to explain any limits of coverage and exclusions when insuring a vacation home.<\/p>\n
You may want to rent your vacation home to others to generate some income to offset expenses. If you do this, ask your agent first to conduct an insurance review and get the commercial insurance coverage needed to cover your vacation home as a rental property.<\/p>\n
You may need to adjust the insurance coverage for your main residence while you are staying in your vacation home. Based on enjoying a retirement lifestyle and following the good weather, some like to stay some of the year in one home and the other part of the year in the vacation home.<\/p>\n
Again, work with your agent for any periods when your main residence is vacant or if you plan to rent it out.<\/p>\n
While discussing your plans with your insurance agent, it is a good time to conduct a full insurance review, especially if you have replacement value coverage. You will want to upgrade your home insurance to keep it in alignment with current construction prices.<\/p>\n
You also want to tell your agent if you added any expensive items (or removed some) that need to be listed in your personal property inventory.<\/p>\n
Consult with your agent at Bajorek Agency Inc in Rochester, NY, for all your home insurance needs.<\/p>\n","protected":false},"excerpt":{"rendered":"
Home insurance for a vacation home has different considerations than home insurance for your main residence. Leaving a Home Vacant One of the common concerns is the risk of leaving a home vacant for an extended period. Many insurance companies do not extend coverage automatically for a vacant home because there is enhanced risk of […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[10,23,20,18,17],"class_list":["post-153","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-bajorek-agency-inc-2","tag-home","tag-insurance","tag-ny","tag-rochester"],"_links":{"self":[{"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/posts\/153","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/comments?post=153"}],"version-history":[{"count":1,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/posts\/153\/revisions"}],"predecessor-version":[{"id":154,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/posts\/153\/revisions\/154"}],"wp:attachment":[{"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/media?parent=153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/categories?post=153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/tags?post=153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}