Vacation Home Insurance

At a minimum, your lender will require that you carry hazard insurance to protect your property against damage from fires, earthquakes, or severe storms. It is also a good idea to add liability insurance, which covers you and members of your household for accidental injuries to your visitors. Opting for property plus liability insurance adds up to a standard homeowners insurance package. For an extra layer of protection, a personal umbrella liability policy extends your liability coverage for properties named in the policy.