Does Your Existing Homeowners Insurance Policy Cover Your Vacation House?

​Renting a place to stay during your vacations can offer many perks like more space, new facilities, and more freedom. However, an important thing to consider is if your belongings are covered in your vacation house or condo.

What can you expect when something gets lost, damaged, or stolen? Or what if someone visits you and gets injured in your rented place? Do the insurance policies cover you or not? Keep reading to learn more.

​Domestic fuel tanks
Domestic fuel tanks are becoming less common, but they still exist. Getting your property damaged because of accidental and sudden fuel overflow is covered. 

However, no coverage will be provided for the damages and losses to sewer, systems, tanks, and appliances from where the fuel oil leaked. It's best to ensure that your tanks are secured and that your furnace is checked and serviced every year.

Insect and wild animal infestations
If your vacation home gets attacked by a group of squirrels, raccoons, or bears, your residence’s damage or loss will not be covered. This includes other invaders like vermin, rodents, insects, and birds. However, an exception is damage from a fire or damaged building glass caused by birds. 

Since there are low chances of getting insured in these situations, you can hire someone to look after your place every time you are away. This ensures your heating is maintained and your water is shut off to avoid water leaks, which may attract pests.

Bursting or frozen pipes 
The policyholders should keep in mind that damages and losses will not be covered when their pipes burst or get frozen. Heating, plumbing, air conditioning system, domestic appliances, and sprinklers are not covered if the parts get frozen.

In addition, those who own swimming pools should keep in mind that damages and losses brought by continuous water leakage and seepage or hot tub, swimming pool, or whirlpool steam are not covered. 

Conclusion
When going on a vacation, make sure your home’s electricity is switched off and the outlets are unplugged. If you have a friend nearby, you should ask them to check on your house regularly just to make sure it’s safe.

At Kapasu Insurance Services Inc, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (760) 995-3853. Get your free quote today by CLICKING HERE. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!