Let Morrison Insurance Agency help You find the perfect Insurance Policy!
Serving Alabama, Florida & Georgia's Insurance Needs
Low Cost Seasonal Home Insurance in AL, FL & GA
How to insure a Seasonal Home
Owners of a higher-end second home typically want to insure it with a policy similar to what they have on their full-time residence, which includes a comprehensive list of causes of loss and replacement cost settlement.
Our agency refers to this kind of coverage as “special form” or “DP-3.”
But many vacation homes are older. Some may well lack insulation, a furnace or central air, possibly even electricity. Even the porch may sag a little. Homes that are well-loved, but not in pristine condition, likely do not qualify for comprehensive coverage. Instead, they need something more basic.
Our agency refers to this kind of coverage as “basic form,” “DP-1” or simply “fire insurance.”
Fortunately, our agency offers both types of coverage.