Rented Vacation Home: Whose Homeowners Insurance Protects You?

Rented Vacation Home: Whose Homeowners Insurance Protects You?

Your Guide To Whose Astoria, NY Homeowners Insurance Covers Your Rented Vacation Home

Planning a vacation is always really fun – at least at first. Then it comes time to pay for the trip, and a little of your enthusiasm is probably dimmed by the cost. That is why many families are turning to rental vacation homes that offer great accommodations plus a kitchen in which to cook for a lower price than many hotels.

If you are thinking about a rented vacation home, consider your Astoria, NY homeowners insurance coverage to protect your trip.

If you have a homeowners insurance policy, that coverage offers protection for your personal property even when you are away from your home. It also offers you liability coverage. That means that if you are on your trip and something gets stolen or broken, your existing policy can step in to pick up the tab up to your policy limits. Be advised, though, that some policies will offer decreased coverage when your belongings are away from your home. Read through your policy to be sure you understand the specifics before you head on your trip.

Additionally, ask the owner of the vacation home about the coverage on the home. It is in your best interest to ensure there is some kind of policy in place to protect the structure of your rental home and the liability associated with it.

Is your insurance agent making it easy for you to get answers to your questions so you can enjoy your vacation stress-free? To get a team committed to serving you, contact 01 Insurance. Operating out of Astoria, we serve New York homeowners and are here to help protect you, your home, and your rented vacation home. For all of your homeowners insurance needs, do not wait to call us!