What if you went to your “home away from home” and discovered that thieves had broken in and literally destroyed the home interior? This is a major tragedy in itself, but what if you contacted your insurance agent and he told you that you were not covered for all of the losses and damages? In fact, he might say that your coverage had lapsed. How will you possibly pay for all the repairs that must be made? This could happen to you, if you do not have Seasonal Home Insurance.

Many people believe all homeowner policies are basically the same, and that can be a huge error in judgment. In fact, if you have a standard Home Insurance policy on a vacation home, you might have no coverage at all once the house has been vacant for one month. That’s right, many insurance carriers in New York drop coverage once a home is unoccupied for 30 days. That is why it is of the utmost importance to obtain a Vacation Home Insurance policy, and one that you can afford.

In a perfect world, you could go online and order a policy. It would be like shopping at the grocery store, and as easy as comparing prices on a certain brand of toothpaste. Unfortunately, it’s not such a simple matter. In fact, there are several things to consider when you take out Seasonal Homeowners Insurance.


Vacancy Issues

If the home is going to be vacant for long periods of time, you may need more vandalism insurance than a standard home, and the reason is simple. Vacant homes are vandalized much more than those that are occupied, and that puts you at higher risk. It is very important to have proper coverage and your Putnam Record Insurance Agency representative is there to explain all of your coverage options to you.


Actual Replacement Cost Or Cash Value?

Many homeowners see the terms “actual replacement cost” and “cash value replacement” as the same thing, but this is not the case. When you research Seasonal Home Insurance policies, it is vital to understand the differences and how they affect the price of coverage and reimbursement for damages.

Actual replacement cost is the amount it will take to replace property that has been damaged. Cash value refers to fair market value and includes depreciation. If the damaged property is not new, you will only receive what it is currently worth and you will not be able to replace it with something new, should you choose the “cash value” option. In other words, you could have significant out of pocket expenses to replace things if you do not choose “actual replacement cost”.


Flood Insurance

Some Vacation Home Insurance policies may not include flooding. However, if your home is near a body of water, you should consider flood insurance as part of your coverage. You wouldn’t want to arrive at your secondary home and find water damage, mold, and mildew everywhere, and then discover that the damages are not covered by your insurance policy.


Liability Insurance

Secondary homes often have swimming pools and your Seasonal Homeowners Insurance policy should include additional liability coverage in case of accidents. In fact, any outdoor equipment like trampolines, tennis courts, or places where someone may become injured, should be taken into consideration, and you will need more coverage than an average home in New York.



Many vacation homes have recreational equipment. For example, your property may have a dock, jet skis, or a boat. These may not be part of your policy, but you will need to tell your agent about them, so they can be covered. As your representative, I will be there to make sure that you have everything insured and for the right amount.


Make It Easy On Yourself

If you try to shop for Vacation Home Insurance on your own, it could take you a long time and a lot of hard work. Not only that, one mistake could cost you many thousands of dollars.

It’s much easier to visit the Putnam Record Insurance Agency home page. We have an easy to use website and you only have to go to the online quote form, select home insurance, enter your zip code, and click “go”. It’s just that simple. We have been in business for over 90 years and we are local, so we understand your Seasonal Homeowners Insurance needs and we check with many different insurance companies to make sure you receive the lowest price along with the right amount of coverage.

To be sure that your vacation home is protected, contact the Putnam Record Insurance Agency right now. You take no risk by requesting a quote. In fact, the real risk is not knowing whether you have sufficient coverage or not.

We offer more than just a policy

See what we can do for you today