For some people, their condo is their forever home, while for others, it’s a home away from home for only a season or two out of the year. At Harrison Insurance and Financials LTD in Hailey, ID, we’ve helped condo owners insure their condos as full-time residences and part-time vacation homes. While the insurance process can be confusing to navigate, it helps to have qualified agents on your side to walk you through every step. If you want to cover your vacation condo, our team is here to answer any of your questions and help you protect your home.

Can You Get Condo Insurance for a Vacation Condo?

Depending on how you use the vacation condo, you will most likely be able to cover it with condo insurance. If you live in the home for part of the year and never rent it out to other tenants, you may need to get vacation home insurance to protect it against damage, theft, and liability. Since vacation condos are often vacant and unattended, they may need higher limits to cover issues like water damage or theft.

If you rent out your vacation condo, you might need another form of insurance to protect you as a homeowner and cover the potential damage and liability of renting out a property. Short-term policies may work better for your needs if you only live in your condominium part of the year. Overall, discussing your condo usage and how much you live in the unit with us is best. This way, we’ll lead you in the right direction for coverage.

For more information on our condo insurance, call Harrison Insurance and Financials LTD in Hailey, ID today!