If you have a second or seasonal home you need Second home insurance. Whether you are a winter visitor or a heat refugee, a second home is a marvelous thing. What isn't marvelous is the fact that insurance can sometimes be difficult to come by. Due to the fact that by definition second homes will be "unoccupied" for long periods of time many companies try to steer clear of second homes. Not to worry though, we love them, whether your second home is in the pines, the desert, a manufactured home or a cabin, we can help. We have several A Rated companies that have excellent programs designed to protect your second homes.
In fact, even if you are not a US citizen we can help. We know that many of our winter visitors are from Canada. There are also many Mexican Citizens that own homes in Tucson, Phoenix, San Diego, LA, and San Antonio. In the past many insurance companies would provide coverage for homes in the US owned by Canadian or Mexican citizens, but because their was no social security number that could be used to get what they call an "insurance score" the prices weren't all that great. Fortunately several of the insurance companies we represent have realized that was dumb and will provide discounts, to make their policies more competitive and reasonable for foreign investors.
Second home insurance will provide coverage for the dwelling, other structures, personal property, premise liability, and medical payments.