Overview
In addition to our your primary homes we also provide insurance protection for many secondary and seasonal homes. Whether your secondary home is beachside, lakeside or mountain top, we at Herlihy Insurance can provide you with the customized insurance coverage that fits the needs of you and your home.
Vacation homes typically require unique coverages for the different seasons and locations. Some of our clients keep their homes open year round and other chose to close their homes for certain seasons. The insurance you select for your secondary home should reflect your use the of your property and the activities you enjoy at your vacation home.
An important insurance fact to recognize is that your vacation home insurance coverage may differ from your primary home insurance coverage. At Herlihy Insurance we review these specific coverage differences with you and make recommendations appropriate for both of your homes.
Coastal homes Insurance
In Massachusetts seasonal coastal homes provide unique challenges for home owners as many Massachusetts insurance companies do not offer home insurance coverage for homes located near the coast. At Herlihy Insurance Group we represents number of insurance companies that provide our clients with coastal insurance options.
Ways to Save
Home Security System
Additional discounts are available if your home has a home security system. Different savings are offered by different companies and the discounts may range from 5% to 20% of your annual premium.
Increase your Deductible
The higher your deductible, the more money you save on your premiums. Always ask for your deductible savings options of $500, $1000, $2500 and even $5000.
Package Savings
Home owners save 15-30% on your annual premium when you insure yourr home, car and umbrella with one agent.
Loss Free Credits
Companies do reward loss free home owners. You may see your loss free credit listed on your policy or your loss free record may get you into more competitive pricing options.
Longevity Credit
Many of our companies reward long time clients. Ask about longevity credits before you change your insurance provider.
Mature Home Credit
If you are 55 years or older some companies offer a mature home credit for their clients.
Nonsmoker Credit
Credits are available for non smoking households.
Maintain good credit
Home insurance companies are utilizing insurance score when offering pricing on your policy. A solid credit history will keep your insurance premiums low.
Seek out other discounts
The value of our agency is that we represent a number of home insurance carriers. Each carrier offers its own unique credits. We look forward to working with our clients to find all the possible credits.
E policy Savings
Receive your policy documents electronically.
Frequently Asked Questions
Do I need personal belonging coverage at my vacation home?
Any belongings that stay in your home should be insured on your vacation home policy.
If I rent out my vacation home does my insurance change?
When placing your vacation home insurance, one of the questions will be if your home is rented.
Insurance companies have different policy forms for vacation rental properties and owner occupied vacation home. If the use of your home changes, you may need to change our policy as well.
If I am unable to stay in my vacation home because of a covered claim, will my policy pay for a vacation rental?
If your policy includes “ additional living expense” for a covered claim, you would have some coverage for this additional expense. Check you exact policy for the specific limit of this additional coverage.
Do I need a Personal Umbrella policy if I own a vacation home?
Vacation home owners should definitely obtain a Personal Umbrella policy that would provide additional liability protection for their vacation home.
If my vacation home is owned by a trust may I still have a home insurance policy on this property?
We do have home insurance companies that will provide vacation home insurance for trust owned properties.
Our Clients Also Select
Umbrella Protection
