Secondary Home Insurance Provided By Our Agency
Owning a second property whether it's a lakeside cabin, beach retreat, or vacation rental is as rewarding as it is complex. Let The Ball Group Insurance be your trusted partner in protecting this cherished investment, even when you're away.
A second home isn’t just a building—it’s part of your story. But because it’s not your primary residence, it’s exposed to unique risks:
- Burglary & Vandalism: Unoccupied homes often attract unwanted attention.
- Undetected Damage: Issues like burst pipes, mold, or storm damage can go unnoticed.
- Location Hazards: From coastal hurricanes to forest fires, remote spots pose extra threats.
That’s why regular homeowners insurance just doesn’t cut it—we help you build a plan tailored to these challenges.
Our secondary home policies include:
- Dwelling Protection – Rebuild your home if it’s damaged by fire, wind, or hail.
- Other Structures – Protect sheds, detached garages, pools, and yards.
- Personal Possessions – Safeguard the items you leave behind, from linens to lifeguard chairs.
- Liability & Medical Payments – Cover incidents involving guests, crews, or renters.
- Loss of Use – Receive support for alternative lodging if your vacation home becomes unlivable.
We also offer optional add-ons:
- Flood and earthquake coverage
- Rental loss protection
- Enhanced personal property limits
- Umbrella liability
Customize smartly based on how you use the home—whether it stands empty, hosts guests, or serves as a rental income source.
Your secondary home is more than just an investment—it’s where memories are made. But its intermittent occupancy and potential rental use increase exposure to theft, environmental perils, and unnoticed damage. Secondary Home Insurance bridges that gap, offering you the reassurance that comes from a trusted partner who understands your unique needs.