No matter the type of vacation home or the location, you should consider insurance coverage to protect your oasis. There are multiple policies available for your lake home, with the primary form of coverage being homeowners insurance. At Jean Deese Agency, we’re ready to help you sort through your options for coverage.

Types of Lakehouse Insurance

There are a few typical policies recommended for lake homes. Coverage typically includes homeowners insurance. Helps cover your dwelling, personal property, structures, and your home. It would help if you considered covering all of the following on your property:

·        Bunkhouses

·        Detached garages

·        Large storage sheds

·        Outhouses

·        Docks

·        Boats

·        Jet skis

·        ATVs

·        Golf carts

·        Swim rafts

·        Water trampolines

·        Boat lifts

·        Seasonal docks

Additional Coverage Options

It’s important to insure all elements of your vacation home to keep your belongings and others safe. There are additional coverage options for events such as floods, septic runoffs and additional umbrella coverages to protect liabilities:

·        Flood insurance—This can help cover water damage to your property in case of a flood or excessive rainfall.

·        Septic runoff protection—This can help cover pumping out and maintaining your septic tank and cover damages and repairs if runoffs occur. If septic runoff protection is not part of your homeowners insurance policy, septic tank companies offer protection. Be sure to check with an agent about what your policy includes.

·        Umbrella policy—Can help protect personal liabilities. Injuries on your property, autos, boats and docks are typically covered.

It’s common to need multiple coverages to cover your lake home. Be sure to connect with an agent to get started with a policy.

Get Started Today

Owning a vacation home can be fun for your family and friends during the warm summer months. Be sure to look into protections that best suit your home and belongings. Our agents at Jean Deese Agency are here to answer your questions and help you get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.