Often, yes. Many carriers build in discounts for a second home or vacation property when it is with the same carrier as your primary home. If the second home is in another state, a different carrier without the bundle may be the better choice.

Often, yes. Many carriers build in discounts for a second home or vacation property when it is with the same carrier as your primary home. If the second home is in another state, a different carrier without the bundle may be the better choice.

What to know about second homes

A vacation or second home is often empty part of the year, so carriers ask how it is used and how often someone checks on it. Some properties need a different policy form than your primary home.

Out-of-state properties

If the second home is in another state, your current carrier may not write coverage there or may not be competitive there. A carrier that knows that state can sometimes offer better coverage, even without the bundle.

How Hicks Insurance can help

Hicks Insurance can compare bundling your second home with keeping it separate. Learn more about homeowners insurance.