Whether it’s a seasonal getaway, vacation property, or second residence, your secondary home deserves coverage that reflects how it’s used. At Maple City Insurance Services, we help you protect your investment with insurance tailored to part-time occupancy, unique locations, and additional risks.

What Secondary Home Insurance Covers

Dwelling Protection
Covers the structure of your home from risks like fire, storms, and other covered losses.

Personal Property
Protects furnishings, appliances, and belongings kept at your second home.

Liability Coverage
Provides financial protection if someone is injured on your property or you’re responsible for damage to someone else’s property.

Additional Living Expenses
Helps cover temporary housing costs if your secondary home becomes unlivable due to a covered claim.

Other Structures
Coverage for detached garages, sheds, docks, or additional buildings on the property.

Why Secondary Home Insurance Matters

Second homes often face different risks than primary residences, such as periods of vacancy, seasonal use, or location-specific exposures like waterfront or remote areas. Standard policies may not fully address these risks, making specialized coverage essential.

Optional Coverage Considerations

• Short-term or seasonal rental use

• Watercraft or dock liability

• Increased liability limits

• Umbrella coverage for added protection