Vacation Home Insurance

November 14, 2019

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Seasonal homes vary from a cottage or rustic cabin to investment property in a resort. Whether in your family for years, or newly purchased, we can protect it.

Owners of a higher-end second home typically want to insure it with a policy similar to what they have on their full-time residence, which includes a comprehensive list of causes of loss and replacement cost settlement.

But many vacation homes are older. Some may well lack insulation, a furnace or central air, possibly even electricity. Even the porch may sag a little. Homes that are well-loved, but not in pristine condition, likely do not qualify for comprehensive coverage. Instead, they need something more basic. 


The comprehensive policy option covers all causes of loss except any specifically listed in the policy documents. Losses are settled at the replacement cost, up to the policy limit. There is no depreciation deduction.

The flexible policy option covers just those causes of loss listed by name in the policy documents (fire, lighting, wind, hail, explosion, and others). Losses are settled for the actual cash value (ACV), which takes depreciation into account, or in many states we offer upgrades to full repair cost coverage or replacement cost coverage.


  • reasonable expenses for emergency repairs such as covering a roof after a storm
  • damage to other structures on the property
  • debris removal
  • fire department service charge


  • collapse
  • water and mold
  • improvements and alterations
  • trees, shrubs, lawn
  • vandalism

Here is some optional coverage you may consider too:

Premises liability – Add protection for your liability if an injury occurs to someone while on the premises.

Personal property – Add coverage for items such as furnishings, appliances, linens and the like, owned by the landlord and kept in the rental property.

Occasional rental permission – With this option you can rent your seasonal home to others for a short period of time when you are not using it.

Breakdown protection – Widen the policy’s scope to include the repair or replacement of major appliances, HVAC and electronics due to mechanical or electrical failure.

Vandalism – Physical damage or defacement of the home is included with the comprehensive program, but optional for basic program.

Limited burglary – If a forced entry leaves signs of visible damage (for example broken window or jimmied door) we will cover the theft of personal items or permanently attached items such as a heat pump or even copper piping.

We want you to full be able to enjoy your home away form home but also know you don't live there 24/7 so we want you to have the proper coverage for it while you are there and away. 

Keeping you protected.




All Access Insurance in Littleton, CO,  who represents multiple insurance companies as a “Broker” and provides products for auto, home,  commercial, workers compensation, and much more! Call us today for a free quote at (303) 932-1700.