All Topics > Home Services > Insuring A Second Home >

Insuring A Second Home Maryland

If you own a second home, insurance for it is just as important, if not more important, than insurance for your first home. And though home insurance and contents insurance for a second hom can be costly, there are ways to secure your second home and lower the cost of your insurance

Local Companies

Columbia Builders, Inc.
800-694-9052
PO Box 999
Columbia, MD

Artery Rolling Hills, LLP
301-961-8393
7200 Wisconsin Avenue
Bethesda, MD

Warfield Michael P Ins Ofc
(301) 330-4024
21914 Huntmaster Dr
Gaithersburg, MD

Reiter Robert A Jr Ins
(410) 666-7746
3421 Sweet Air Rd
Phoenix, MD

Bailey Suzanne Ins
(410) 795-5533
Carrolltown Mall
Sykesville, MD

Hudson James L Csp Ins
(410) 592-2011
14314 Dairydale Rd
Baldwin, MD

Meagher Helen W Ins
(301) 261-1440
815 Ritchie Hwy
Severna Park, MD

Torr Robert Ins
(410) 529-3700
8336 Belair Rd
Nottingham, MD

Benjamin Andrew H Ins
(410) 742-6126
112 Baptist St
Salisbury, MD

Avon-Dixon Agency Inc Ins
(410) 758-2464
Earle Branch Rd
Centreville, MD

If you are lucky enough to own a second home in which you spend the weekends or holidays, then you will of course need to take out home contents insurance to cover the possessions within it just as you do your main home. However when it comes to insuring a holiday home it is of course more expensive, this is due to the fact that for a large amount of time the home is not being lived in and so is deemed as a bigger risk. However there are steps you can take to lower the amount that you have to pay for your premium.

The biggest reason why it costs more to insure a second home is the fact that you are not residing in it and as such for a large part of the time it is standing empty, which means there is more chance of it getting broken into. Steps you can take to remedy this and to bring down the premium include fitting the latest security features to the home. The better protected the property is, then the lower the risk and the cheaper the premium.

Installing the latest alarms which are listed with many insurers can go a long way to making sure your property is secure to the standard listed with insurers.

Other security features which can lower your home contents insurance include installing smoke detectors; doors and window alarms and locks; and making sure your property is totally enclosed by fencing. Insurers believe that the security in and around your home make a 30% difference between it being targeted by thieves and not bring targeted.

If your second home is in a neighborhood watch area or you have a house sitter or at least someone who can check on your property on a daily basis then this too can reduce the quote for the insurance on your second home.

When looking for insurance for your holiday home then the best way to purchase it is by doing so via a specialist broker. This will allow you to get the best quote for your circumstances.

Companies do vary in what they offer and especially in what is included or not in the policy for the amount that you are asked to pay

About the Author:

David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.

Article Source:

thePhantomWriters Article Submission Service

Featured Local Company

Columbia Builders, Inc.

800-694-9052
PO Box 999
Columbia, MD
http://www.columbiabuildersinc.com

Read more about Insuring A Second Home

- Laying Ceramic Tiles Maryland

Ceramic tiles are a classy way to add style to any room. Flooring is a great way to update a room or tie together your current decor. Ceramic is a good choice for their durability and for the many design options they offer. You can easily lay ceramic tiles yourself and save money in the process.

- Burglar Alarms Maryland
- A Few Tips on Cleaning A Home that Has Children Maryland
- Using Your Home Equity for Other Goals Maryland
- Home Exterior Painting Maryland
- How To Make Your Home More Secure Maryland
- How to Get More Space Out of Your Home Office Maryland
- New Areas for Remodelers Maryland
- Tidy up your home theatre system Maryland
- How To Protect Your Home Maryland

Regional Articles

- Burglar Alarms Maryland

Of the many methods of security and variety of devices available to prevent the burglar entering your home, discover why a burglar alarm system is the best preventative security measure that should be installed to protect your home. Don’t think you need a burglar alarm system? By neglecting your home security, it is only a matter of time before the unthinkable will happen.

- How To Protect Your Home Maryland
- Using Your Home Equity for Other Goals Maryland
- Tidy up your home theatre system Maryland
- How To Make Your Home More Secure Maryland
- Laying Ceramic Tiles Maryland
- Home Exterior Painting Maryland
- How to Get More Space Out of Your Home Office Maryland
- New Areas for Remodelers Maryland
- A Few Tips on Cleaning A Home that Has Children Maryland

Related Local Events

Carroll County Chapter Board Meeting
Dates: 12/21/2009 - 12/21/2009
Location:
Westminster, MD
View Details

Suburban Maryland Spring Home Show
Dates: 2/5/2010 - 2/7/2010
Location: The Show Place Arena
Upper Marlboro, MD
View Details

Suburban Maryland Spring Home Show
Dates: 2/12/2010 - 2/14/2010
Location: Howard County Fairgrounds
West Friendship, MD
View Details

Suburban Maryland Spring Home Show
Dates: 3/12/2010 - 3/14/2010
Location: Discovery Sports Center at Maryland SoccerPlex
Germantown, MD
View Details

Suburban Maryland Fall Home Show
Dates: 10/30/2009 - 11/1/2009
Location: The Show Place Arena
Upper Marlboro, MD
View Details

Rate Article

Save to My Articles

Articles Insider

Advertising	Food & Beverage	Nightlife
Business Services	Franchise	Online Database
Career	Health	Pets
Cars	Holidays	Real Estate Resources
Computer Hardware	Home Appliances	Retail & Consumer Services
Construction	Home Electronics	Software
Education	Home Services	Technology
Entertainment	Industrial Goods & Services	Telecommunications
Environmental	Insurance	Trade Shows
Family	Internet	Travel
Fashion	Legal	Weddings
Financial Services	Miscellaneous	World History

Advertising	Family	Home Services	Real Estate Resources
Business Services	Fashion	Industrial Goods & Services	Retail & Consumer Services
Career	Financial Services	Insurance	Software
Cars	Food & Beverage	Internet	Technology
Computer Hardware	Franchise	Legal	Telecommunications
Construction	Health	Miscellaneous	Trade Shows
Education	Holidays	Nightlife	Travel
Entertainment	Home Appliances	Online Database	Weddings
Environmental	Home Electronics	Pets	World History