Vacation homes, second homes, and rental properties can bring plenty of enjoyment, but they can also be more complicated to insure than a primary residence. Some insurance companies may have additional underwriting requirements for homes that are vacant, unoccupied for part of the year, rented to others, or located in areas with elevated weather risks.
Adams Eaddy & Associates works with individuals and families in Columbia, the Midlands, and across South Carolina to review insurance options for vacation homes, second homes, rental homes, vacant homes, and landlord properties.
Whether you own a lake house near Lake Murray, a second home elsewhere in South Carolina, a rental property in Columbia, or a vacation property along the coast, our local independent agents can help you compare policies from multiple insurance companies.
We can help review options for:
Our agents can walk through underwriting questions, property use, location, occupancy, rental activity, and budget considerations to help you compare available insurance options for your second home or rental property.
For example, if your second home or vacation property is located in a coastal area, certain improvements may affect your insurance options. Wind-resistant roofing, impact-resistant windows, updated garage doors, alarm systems, and water leak detection systems may be worth discussing with your agent.
Request a Second Home Insurance Quote
Insurance rates for unoccupied homes may be higher than rates for homes occupied year-round. That is because vacant homes may have a greater risk of theft, vandalism, fire, water damage, or delayed discovery of a loss.
If your vacation home, second home, or rental property sits empty for part of the year, you may need a policy that accounts for that vacancy or seasonal use. Standard homeowners insurance may not apply the same way when a home is vacant or unoccupied for an extended period.
There are also steps that may help reduce risk at a vacant or unoccupied property:
When buying a second home, be aware that newer homes, updated homes, gated communities, and properties in lower-risk areas may receive different underwriting consideration than older or remote properties. If the property is in a low-lying area or near water, a separate flood insurance policy may also be needed.
Adams Eaddy & Associates can help you review vacant home insurance and unoccupied house insurance options for properties in South Carolina and beyond.
Ask About Vacant Home Insurance
If you rent out your vacation home, even for part of the year, you may have additional property and liability risks. A policy for your primary home may not apply to your rental activity or to a second property used by paying guests.
Rental property insurance may be important if your property is listed through rental platforms, leased seasonally, used for short-term stays, or rented to tenants at certain times of the year.
Before requesting quotes, it is helpful to discuss:
If renters have access to recreational items, ask your agent whether those items are included in the policy or whether a separate policy may be needed. If guests use a computer, Wi-Fi network, or smart home device at the property, consider guest logins, passwords, and basic data security steps.
For rental property owners in Columbia and throughout South Carolina, Adams Eaddy & Associates can help review your vacation rental insurance options.
If you own a rental property, landlord property and liability insurance should be part of the conversation. These policies can help address certain property damage, liability claims, and tenant-related disputes depending on the policy.
Landlord property insurance may help with damage to the rental structure caused by certain events listed in the policy. It may also include loss of rental income after a qualifying property loss, depending on policy terms.
Landlord liability insurance may help respond if a tenant, guest, or visitor alleges injury or property damage connected to the rental property.
It is also important to keep a current inventory of items stored at the rental or vacation property. Update the list regularly and keep photos, receipts, serial numbers, and model numbers when available. This can be useful if you need to report a claim.
Our agents help rental property owners in Columbia, Forest Acres, Irmo, Lexington, Cayce, West Columbia, Bythewood, Lake Murray, and surrounding Midlands communities compare insurance options for rental homes.
Contact Adams Eaddy & Associates
Whatever your vacation home, second home, vacant home, or rental propoerty insurance needs may be, Adams Eaddy & Associates can help you review available options.
As a local, independent agency in Columbia, SC and a member of Correll Insurance Group, Adams Eaddy & Associates can help you compare policy options from multiple insurance companies for second homes, vacation homes, rental properties, and cavant homes in South Carolina.
James Galante has been taking care of our commercial insurance and worker’s compensation needs since we started our business. He always returns my calls in a timely fashion and lets me know if there are better options to consider for our needs! Trustworthy and friendly for sure.
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