Saucon Insurance Agency has helped many Bethlehem, PA get coverage for their summer homes. However, if you rarely spend time in your vacation house, you may leave it open to serious floods. As a result, it is important to know how your insurance may be affected by your lack of presence in this house.

Coverage Varies Based On Risk

Homes in a high-risk area for flooding (such as those near a lake) must have flood insurance to protect them. In these areas, you are likely to have to pay a little extra for your coverage. That said, the policy will typically be stronger and stay in effect longer than if you lived in a low-risk home. It is usually a good idea if your summer home has ever been flooded or if areas near it have suffered from excessive water.

Content Coverage Is Possible

The contents of your summer home can be protected by the use of a specific coverage type known as content coverage. This helps to protect these items in your summer home from being a total loss during a flood. Just as importantly, it can provide you with the finances you need to recover.

Vacancy Issues May Be At Play

Vacancy is an issue that plagues many people who own more than one home. Your primary home is typically considered vacant or unoccupied if you haven’t lived in it for 30-60 days, depending on your state. A summer home may fall under a similar heading, meaning that your insurance could be voided when a flood strikes it. However, some flood policies have a clause that protects against this danger.

Talk To Us About This Concern

If your Bethlehem, PA summer home is vacant for extended periods of time, you may want to contact us at Saucon Insurance Agency today. We can help you decide what kind of coverage you need for your summer home and prevent serious damage problems.