--- title: Secondary Residence Insurance description: Let Brining Insurance help with your secondary residence insurance needs. Request a quote online or call 580-628-2559 today. --- # VACANT PROPERTY INSURANCE ## from Brining Insurance * * * ## Vacant Property Insurance If you have another home aside from the one you’re currently living in, you will want to ensure it is protected at all times. Whether it is a property you use on special occasions or a vacation home you visit in summer or winter, it is essential that you take out a vacant properties policy to safeguard it against disasters and other unfortunate events. Like primary home insurance, vacant properties typically insures the dwelling and its contents from damages and losses caused by fires, natural disasters, theft, and burglary. It also includes personal liability coverage in the event a guest is injured or their property gets damaged while in your home. ### Additional Protection Beyond the Basic Coverage However, unlike primary residences, second homes are considered riskier because they are frequently unoccupied. Thus, they are more vulnerable to home invasion. They are also generally located in areas susceptible to disasters such as snowstorms, hurricanes, and wildfires. Furthermore, your vacant property may keep expensive items like a boat. It’s, therefore, wise to obtain extra protection. Some of the options you may consider bundling with your basic policy include: **Hurricane, flood, or earthquake insurance.** Standard vacant properties may not cover these perils. This is crucial if your secondary home is situated in a flood-, earthquake-, or hurricane-prone area. **Boat insurance.** This is important if you have a boat in your vacation home. Boat insurance basically provides property and liability coverage. **Personal umbrella insurance.** This takes over if your standard policy limits are exhausted. This gives extra liability coverage in case you need to pay for a claim that is more expensive than what is covered by your policy. **Personal property insurance.** Although this is already included in your standard policy, you can have this tailored to ensure all your valuables and belongings are insured. ### Factors that Affect Coverage Costs Given that vacant properties are riskier to insure than primary homes, the coverage may cost you more. Key factors that affect vacant properties insurance costs are: - **Property type** – Your home’s architectural integrity, age, and the building materials used matter. - **Location** – A desirable location (beachfront, on the mountains) or a disaster-prone area impacts coverage price. - **Amenities** – Does your getaway house have a hot tub, an in-ground pool, or a fire pit? These pose risks and increase policy costs. ### Get Vacant Property Insurance Today Secondary properties are a good investment because they afford you and your family a change of scenery. But you don’t want to get caught in a financial mess when disaster strikes, do you? Brining Insurance can help you get the right coverage for your vacant property. [Contact us](/contact) today for more information. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/vacant-property-insurance/quote) ## Insurance Partners [Allstate — American Modern Insurance Group — Argo Group — Benchmark Insurance Company — BITCO Insurance Companies — Bristol West — Chubb — CNA — Coverage Cat — Covington Specialty — Farm Assure — Foremost Insurance — Hallmark Financial — Hiscox — IFG Companies — James River Insurance — Liberty Mutual — Markel Insurance — Maxum — National General Insurance — National Summit — Nationwide — Nautilus Insurance Group — Next — OMAG — OSIG — Pie — Progressive — Rainbow Insurance — RLI — RSUI — Safeco — Scottsdale Insurance Company — Stillwater Insurance Group — The Hartford — Travelers — Utica First](/insurance-companies) **Start your quote online or contact our office to find out how we can help you find a policy that fits your needs.** [Start Your Quote](/vacant-property-insurance/quote) [Contact Us](/contact) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.brininginsure.com/vacant-property-insurance#service","url":"https://www.brininginsure.com/vacant-property-insurance","name":"Vacant Property Insurance","serviceType":"Vacant Property Insurance","description":"Vacant Property Insurance quotes from multiple insurance companies in Oklahoma.","provider":{"@id":"https://www.brininginsure.com/#organization"},"areaServed":[{"@type":"State","name":"Oklahoma"}],"image":{"@type":"ImageObject","@id":"https://www.brininginsure.com/vacant-property-insurance#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/andy-holmes-f6ewkcd8-da-unsplash-1170x780.c1d1920530740dd04ae1d3d2f5e0ec4f11b978385c708b6357e68253cea49891.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.brininginsure.com/#organization","url":"https://www.brininginsure.com/","name":"Brining Insurance"},{"@type":"WebPage","@id":"https://www.brininginsure.com/#webpage","url":"https://www.brininginsure.com/","name":"Secondary Residence Insurance","description":"Let Brining Insurance help with your secondary residence insurance needs. 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