Vacation Home Insurance Quotes

Vacation homes should be all about fun, but unfortunately, they’re not always fun to insure! As you’ve probably discovered, some insurance carriers have no interest in providing coverage for unoccupied houses or rental properties. However, if you need to insure your vacation home, you’ve come to the right place. Here at Lowcountry Insurance, we are experts in vacation home coverage.

As you know, South Carolina is a vacation destination, so it’s no surprise that many of our clients have vacation homes, second homes, and vacation rental properties. Over the years, we’ve partnered with the right companies, and learned how to provide maximum vacation home insurance protection at the most competitive rates available.

Get a Free Vacation Home Insurance Quote

How Lowcountry Insurance can help insure your second home:

  • Vacation home insurance
  • Insurance for rental property
  • Vacant home insurance
  • Unoccupied house insurance
  • Landlord buildings insurance
  • Landlord property insurance
  • Landlord liability insurance
  • Second home insurance

Our South Carolina vacation home experts can work with you to help you understand underwriting criteria and take necessary steps to attain the most desirable vacation home insurance rates. For example, if your vacation home is located in a coastal region, you may be able to significantly reduce your vacation home insurance premium with some hurricane-proofing steps, such as installing wind-resistant garage doors and roofing or impact-resistant glass windows.

Year-Round Rates vs. Rates for Unoccupied Homes

Generally speaking, rates for unoccupied homes are higher than for those occupied year-round, simply because the risk of theft or catastrophic fire is higher during periods of vacancy. However, if your vacation home is vacant or unoccupied at certain times during the year, you may save money on your vacation home insurance premium by installing an alarm system, a fire sprinkler system, or a fire resistant roof. Also, make sure to follow a few precautions to minimize your chance of having a theft or vandalism claim at your vacation home property:

  • Use effective, functional window latches and locks.
  • Install light timers.
  • Replace fire and carbon dioxide alarm batteries.
  • Ask someone who lives nearby to check on the house at least once a week.
  • Turn off the pilot light for any gas fireplaces.
  • Unplug all portable heaters and appliances.

Whatever your vacation home or second home insurance need, Lowcountry Insurance can help! we have relationships with many of the nation’s leading vacation home insurance carriers, so you can count on us to give you an objective assessment of your vacation home risks, insurance options, and rates.

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You may also call (800) 883-7209 to speak to an agent.

To me, being an advocate means being on the side of the customer. Part of what makes us so competitive is that we have so many companies to shop from in order to provide the best program for our customers needs.We offer personalized service, and we are constantly improving our staff through professional development through industry education.

-Jeff Althoff, President

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Local Agent. National Support.

Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that has served the Carolinas for nearly 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing they have access to world renowned markets. You’ll get both with Correll.

CORRELL INSURANCE GROUP >>

Lowcountry Insurance Services is a member of the Correll Insurance Group, working together to bring you the best in coverage.  Visit our corporate site to learn more.

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