A vacation home can be a great investment, as well as the place where lifelong memories are made. As with your primary residence, it’s vital to have quality vacation home insurance to give you peace of mind and the protection you need.
At American Insurance Associates, we help homeowners get affordable, high quality insurance coverage for their Colorado vacation homes. Based in Castle Rock, we are independent, licensed insurance professionals who work with the top insurance companies in the industry. We provide free quotes on vacation home insurance, and can also help you with your other insurance needs including:
- Homeowners Insurance
- Auto Insurance
- Life Insurance
- Health Insurance
- Business Insurance
Choosing the Right Vacation Home Insurance Policy
We know that you have many choices when it comes to vacation home insurance. You may have already contacted one of the online insurance providers to compare rates. However, we differentiate ourselves from our competitors by offering personalized service in Castle Rock, CO. We take the time to match you with the best insurance company and to get you a policy that provides the protection you need. We even uncover every discount to ensure you’re paying the lowest rate.
Vacation Home Coverage – Many homeowners have questions when it comes to the type of coverage they need for their vacation home. A standard policy includes:
Comprehensive Property Coverage – Covers direct, sudden, or accidental physical losses that are not specifically excluded in your policy.
Named Peril Coverage – Covers “perils” which include damage from fire, lightning, wind, and hail.
Liability Coverage – Covers you if you’re found legally responsible for an accident that either causes injury to someone who doesn’t live in your home or that causes damage to another’s property.
Actual Cash Value – In the event of a loss due to an insured peril, covers the cost of replacing or repairing your vacation home, less any deduction for depreciation.
Agreed Loss Settlement – If your vacation home is destroyed, you will receive the full amount of insurance you purchased for your vacation home, less any deductible.
Do You Rent Your Vacation Home?
More and more homeowners are renting vacation properties these days. Standard homeowner’s policies do not extend to homes, condos, or other dwellings that are regularly rented out. As a landlord, you’re at a greater risk of lawsuits, injury claims, and property damage.
At American Insurance Associates, we can also work with you to obtain landlord property insurance, as part of your vacation home insurance policy, which includes liability protection, which is necessary for vacation home owners who rent to guests.
Get a Free Quote on Vacation Home Insurance Today
Are you ready to get started? Call us at 303-663-1555 to obtain your FREE vacation homeowner’s insurance quote.