Secondary Home Insurance - Portland, Maine

Secondary home insurance in Portland, Maine and throughout New England.

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Getting insurance for a property that serves as a vacation home (not your main residence) can feel confusing, so here are a few basic guidelines and points to consider.

The precise definition of a seasonal and secondary home can vary from insurer to insurer, so be sure to ask us about it. Generally, there are two different types of vacation homes. A secondary home is one that you only stay in for short periods of time. A seasonal home is one where you may have a longer stay but only at particular times of year.

The general principles of vacation home insurance are the same as homeowners insurance. However, there are two differences. One is that a vacation home is more likely to be unattended for extended periods, increasing the risk of burglary as well as both the risk of and potential damage from fires or flooding.

On the other hand, coverage limits will often be lower at a seasonal or secondary home, simply because you likely keep fewer and less valuable possessions in a vacation property, particularly when it’s unattended.

Because of these two factors, it’s well worth taking the time to find a vacation home insurance policy that provides you with the specific coverage you need at a fair price. We’ll help guide the way.

Let’s discuss your secondary home insurance.

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500 Washington Ave 3rd Floor Portland, ME 04103

Phone: 207-370-6773 Fax: 866-433-6694

Office Hours: 9am-5pm by appointment only

We’re an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected.

We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future.

We offer comprehensive insurance solutions in Portland, ME, Falmouth, ME, Cumberland, ME, Yarmouth, ME, Cape Elizabeth, ME and throughout New England.

At Lotfey Dennett Insurance Brokers, we strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers.

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