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insurance for beach home

Insurance Tips for Your Beach Home

The sun, the sand, and the water help make your beach home that tranquil getaway. Don’t let hazards ruin your beach home getaway. Even if your beach home is your secondary residence, it’s still important to make sure that it’s protected. One way to do that is insurance for your beach home! Insurance is there to help protect your home when something unexpected happens. These types of insurance coverage are there to help protect your beach home all year round!

Flood Insurance

One of the most important types of insurance for a beach home is flood insurance. Damage caused by flooding is not covered under your homeowners’ insurance and requires a separate flood insurance policy. If your home is near the water or other high-risk flood area, you may be required to get flood insurance. But even if your home is not under imminent threat, flooding can still happen and without insurance coverage, you could be paying out of pocket to cover the cost of damages and repairs. Here are some things that flood insurance can help cover:

  • Damage to your home’s contents
  • Damage to your home’s structure

Keep this in mind as your shop for insurance. You’ll need coverage for both your belongings and your home’s structure. Talk to your agent about the right amount of flood insurance for your beach home.

Call us at 413.475.283
Complete our online quote form today

Insurance For Amenities

Beach houses are often equipped with additional amenities, like pools of hot tubs. If you have a pool at your vacation home, it can affect your homeowners’ insurance. Pools are notoriously dangerous, especially if you have children or pets. You should take extra precautions to help ensure pool safety. This includes:

  • Installing fencing around the pool
  • Adding a pool alarm
  • Having adults supervising when children and pets are outside or near the pool

Additional safety measures should also be in place if you have a hot tub at your beach house. When talking about your homeowner’s insurance, tell your agent if you have a pool or hot tub. If you don’t, and an accident occurs, then you could be denied coverage! 

Type of Property

Is your beach home a house? Is it a condo? Do you rent or own the property? Depending on what type of property it is, you could need different types of insurance for it! For example, if you own a home, then you’ll need homeowners insurance. Meanwhile, renters should look into renters insurance. If you live in a condo, then talk to your agent about condo insurance. These different types of coverages are designed to cater to the needs of their respective properties. And if you rent out your beach home, then ask Encharter about insurance for landlords!

Call us at 413.475.283
Complete our online quote form today

Ways to Save on Insurance for Your Beach House

Even if you are looking to save on insurance, it’s important to make sure that you have enough coverage in the event of an accident. While summer perils may not seem like an impending threat, if you are not prepared, then it could wreak some havoc on your finances. However, there are some smart ways to save on insurance for your beach house:

  • Bundling your coverage – if you have multiple policies with one insurer, you may be able to bundle them. For instance, if you could bundle your boat and home insurance for a discount.
  • Installing an alarm system – alarms can help deter burglars and other ill-intentioned guests. It also help improve response times for emergency services.
  • Location – some areas will be less risky than others. For example, if your beach home is on the water, then there’s a higher risk of flooding than a home that’s located more inland.

Talk to your agent about potential discounts and ways to save on insurance for your beach home.

This summer, have some peace of mind when it comes to your beach home! Chat with an Encharter agent on the best way to help protect your home. Whether that’s discussing flood insurance policies, home insurance coverage, pools and hot tubs, or even discounts, talking with an agent can help get you sorted! At Encharter, we are here to help you with your insurance needs, whatever those may be. We are here to help address your questions and concerns.

Chat with an Encharter agent today: 413.475.7283!
Complete our online quote form

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