If you own a second or vacation home, that property is not covered under the homeowner’s insurance policy on your primary residence. You'll need homeowners insurance specifically for this second home. Because you may not be present as much in your second home as you may be in your primary residence, you need to take extra precautions on protecting this property.

Here’s a helpful guide on insuring and owning your second home:

• Invest in an Alarm System
  Make sure your second home has a central alarm system that detects both fire and burglaries especially if you are not present as much as your primary residence. According to major alarm companies, a basic system costs around $300 to install, depending on the number of zones and sensors in your system. It may also require about $70 or more for service each year.
• Keep A Watchful Eye
  You may be qualified for a lower insurance rate on your second home if it is located in a gated community, or if it is located in a rural area and there is proof that the local fire department has access to a stream, lake or other water source, or if you hire a caretaker.
• Combine and Save
  Save money on your second home. If you currently have a Homeowners policy with us, you may qualify for additional savings if we also cover your second home.

A Cooper Insures Licensed Agent is eager to assist you with your special insurance needs. Call us at 1-888-878-8875.