Your home away from home is a very important feaure in your family's life. Whether your cottage is in the secluded hills or at a populated lake resort, Underwriters can arrange the coverage you need so you can truly relax at your own private getaway.
There are many ways to insure vacation properties. The best way is where we insure your dwelling against "All Risks" for direct loss, which is the broadest form of coverage, while your contents are insured for "Named Perils" which include:
We calculate your contents amount at an additional 60% of the building amount and outbuildings up to 10% of the building amount.
We cover additional living expenses should you be required to move while repairs are being done to your home as a result of a covered claim.
We provide $1,000,000 personal legal liabilty, with the option of buying more.
We can also provide Guaranteed Replacement Cost on your dwelling, which means that as long as your dwelling is insured to 100% of the replacement cost as determined by a cost evaluator acceptable to the insurance company, your dwelling will get repaired or rebuilt no matter the cost. This gives you added protection should repair or rebuilding costs increase during the policy term.
Replacement cost coverage is also available for your contents, meaning new articles of like kind and quality without the inevitable deduction for depreciation.
Each insurance company has its own "special limits of insurance", which limit a few particular items to specific amounts. Below is a sample of the special limits of coverage for one of our insurance companies:
Click on our Locations and Contact bar for a location near you, and a member of our Personal Solutions Team will be pleased to help you.
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