If you have a second home, like so many people in North Florida who have a beach home or property in the Carolinas, it's important that you protect your second home like you do your primary residence.
Since you are not around your second home for many months of the year, there are things that not only help protect your property but that can also affect your second homeowners' insurance policy. Consider these measures...
Invest in a smart home security system:
Security systems these days are advanced and comprehensive. Smart home technology has made it easy for homeowners to know and even see in real time what's happening on their property, even from miles away. Many systems can trigger automatic alerts to both the homeowner and emergency personnel. Some even offer 24/7 live support. But even if you don't go for the fancy stuff, a good alarm system, motion sensor and timed lights, and video surveillance in key places can go a long way towards giving you peace of mind and a way to keep tabs on the place. Plus, in most cases, a good security system can provide credits against homeowner premiums.
Hire a local property manager:
Not only will a good property manager regularly inspect your property in person, they will also know how to take care of and prevent common problems that occur when homes go unoccupied for part of the year. They can keep the sidewalks clear and the lawn mowed, make sure the pipes don't freeze, and deal with those branches that broke off during a recent storm. In addition, a property manager can prepare your home for your arrival; warming things up; purchasing basic necessities; and turning the lights on for your arrival.
Schedule maintenance while you're away:
Just like your primary residence, your second home needs regular upkeep. But there are some systems that can suffer when they're left unattended for long periods of time. Scheduling regular maintenance throughout the year and especially when you're away can keep your property in top shape, but it can also be another way to stay in touch and identify potential problems. Consider having your trees trimmed, your roof or heating system inspected, or just hiring the kid next door to rake the leaves and regularly shovel the walk.
Update your homeowners insurance:
Make sure your insurance policy accurately reflects the value of your property, outbuildings and any other valuables or assets on site. This will ensure that should something happen, you will be protected from any important losses. You should also review the policy for any requirements or restrictions on occupancy, especially if you are considering renting out your property or offering it for use for family and friends, which may invalidate your coverage if you don't follow them.
If you are thinking of purchasing a second home or if you have property and you haven't considered all of the risks involved, contact your J.P. Perry Insurance agent. We have the answers.