For secondary dwelling and rental owners in Blue Ridge, GA, The Insurance Mart gladly offers secondary dwelling and rental insurance coverage. Our policies ensure that your secondary home or rental property is protected. If this is your first secondary dwelling or rental, you might not know the first thing about insurance. That’s why we’re here to help with our frequently asked questions below!

What Is Secondary Dwelling and Rental Insurance?

For homeowners who have a secondary residence that they rent out, secondary dwelling and rental insurance is the correct type of insurance policy to cover the property. As you’re building, renovating, or renting a secondary dwelling, you’ll want this kind of policy. It’s designed to protect you from liability as the owner.

Is Secondary Dwelling and Rental Insurance the Same as Landlord’s Insurance?

If your policy states that it’s secondary dwelling insurance, it probably doesn’t have the same protections that landlord’s insurance offers. If the insurance policy is meant to cover a rental, it’s safe to say that the insurance policy probably offers similar protections to landlord’s insurance. Whether you live in the secondary property, rent it to tenants for all or part of the year, or leave it vacant will determine what level of coverage you should choose.

What Does Secondary Dwelling and Rental Insurance Cover?

The limits and terms of secondary dwelling and rental insurance policies may vary between carriers and policies. However, this insurance coverage generally covers liability, dwelling coverage against property damage, and special protections against financial loss if the insurance covers it as a rental.

While we know that secondary dwelling and rental insurance can be confusing, you should give our team at The Insurance Mart in Blue Ridge, GA a call today to answer any questions!