Home insurance rates for vacation homes are typically higher than those for primary residences. This is because vacation homes are often unoccupied for long periods of time, which makes them more vulnerable to theft, vandalism, and other types of damage. In addition, vacation homes are often located in areas that are more prone to natural disasters, such as hurricanes and floods.
There are a number of factors that can affect the cost of home insurance for a vacation home, including the location of the home, the size of the home, the age of the home, and the type of construction. In addition, the insurance company will also consider the claims history of the homeowner and the amount of coverage that is desired.
