Secondary Home Insurance Provided By Our Agency

Secondary Home Insurance with Sargent Insurance Agency

Long Term Care

Protect your getaway property with the right insurance.

Whether it's a cozy cabin in the woods or a beachside escape, your second home deserves the same peace of mind as your primary residence. We are here to help you safeguard it so you can enjoy every visit, worry-free.

A second home brings joy, memories, and a welcome retreat, but it also brings unique risks. Secondary home insurance helps protect your property against hazards like fire, storms, vandalism, and liability.

Unlike your main home, a vacation or secondary house is usually vacant for longer periods. That increases the risk of damage or theft. With the right insurance, you can rest easier knowing you are covered even when you are not there.

If you own a second property, whether it’s a weekend lake house, ski lodge, or investment getaway, secondary home insurance is essential. This coverage is especially important if:

  • You don't visit the property often
  • You rent it out part-time or seasonally
  • The home is in a remote area or different state
  • It's not covered under your primary homeowner’s policy

Sargent Insurance Agency will work closely with you to ensure your unique situation is fully understood and covered.

Secondary home insurance typically includes:

  • Dwelling Coverage: Protects the structure of your second home from covered events like fire, windstorms, or hail.
  • Personal Property Coverage: Replaces items like furniture or appliances if they’re stolen or damaged.
  • Liability Protection: Covers legal or medical costs if someone is hurt on your property.
  • Optional Coverage: Flood insurance, earthquake insurance, or rental property coverage tailored to your specific needs.

We will help you assess the location, usage, and value of your second home to build a policy that fits just right.

Every property is different, and so is every family’s use of that property. At Sargent Insurance Agency, we take time to understand your needs before recommending the right solution.

Here’s how we help you get started:

  • Review your current homeowner’s policy to check what’s already covered.
  • Assess the second home’s unique risks, such as weather, location, and vacancy.
  • Customize coverage to include protection for liability, contents, and additional structures like docks or sheds.
  • Explore extra options like flood or umbrella insurance, especially if the home is in a high-risk area.

We are your neighbors here in Arkansas, and we are always just a phone call away.

Still Wondering?

You are local, and we are right here with the answers. Whether it is saving money on car insurance, understanding deductibles, or filing a claim, we make the process easy. Ready for reliable, local auto coverage?

Contact Sargent Insurance Agency today. You will get personalized attention, trusted service, and peace of mind with every mile.

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