Cabin and Secondary Home Insurance

Protecting Homeowners and Vacationers from Risk

Homeownership comes with many risks, including fires, theft, wind damage, and vandalism.  These and other risks can be costly, and for this reason homeowners need protection.  Insurance provides this protection, but in some cases a primary homeowners policy is not enough to ensure total protection.  If one has a secondary home or cabin then he or she is often subject to risks that are not inherent to primary home ownership.  At Fortress Insurance & Financial Services we have a secondary home program that keeps any cabin, vacation home, or non-primary dwelling secure for the right price.  We tailor solutions through this program to individual clients and we’ll tailor a solution to you.

Cabin and Secondary Home Insurance Coverage Details

Secondary homes and cabins often do not have tenants year-round, and the lack of occupancy makes exposures that the owners of these homes face more potentially damaging.  Leaks, fires, burglaries, and floods can all cause more damage if unattended than if attended.  It’s therefore important to have protection against risk that extends beyond the protection provided by primary homeowners policies.  At Fortress Insurance & Financial Services we’ll help you find the right coverages and we’ll ensure that your policy fits.

We work with a large number of carriers in order to give you the greatest possible selection of secondary home insurance options, and the options in this selection from which you can choose include:

  • Property Insurance
  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Mobile Home Insurance
  • Scheduled Property Insurance
  • Landlords Insurance
  • In-Home Business Insurance
  • Vacation Homes
  • Landlord or Rental Properties
  • Contents Coverage

If you have a secondary home or cabin and the home or cabin is insured, then you most likely have an umbrella policy.  This policy protects your secondary home in ways that a primary homeowners insurance policy cannot.  It’s important that your umbrella insurance be tailored to you, however.  An agent from Fortress Insurance will ensure that it is and will therefore make sure that you’re fully protected.

An agent will combine your umbrella policy with other insurance policies if possible.  Combining insurance policies saves you time and money, and we’ll make a combination for you if we can.

What you can expect from us

Whether you use your vacation home, cabin, or non-primary dwelling exclusively for your own purposes or for a variety of purposes, we’ll assess your needs and we’ll ensure that these needs are met.  Once your policy is in place we’ll monitor it regularly and we’ll keep you informed.  We manage risk actively, and this helps our clients reduce the likelihood of sustaining losses and it makes the likelihood of clients having to use insurance less.  If risk becomes reality and insurance is used, then a claim will almost certainly be filed.  If it’s filed then we’ll manage it.  You’ll be fully supported.

An Insurance Plan Designed Around You

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