We got you covered

Comprehensive Secondary Home Insurance with Sargent Insurance Agency

Protect Your Vacation Home in Little Rock, Arkansas

Get Started

Many years in business

100% customer satisfaction

6 Knowledgeable advisors

Multiple coverage options to choose from

Secondary Home Insurance Provided By Our Agency

Whether you have a mountain cabin, a lake house, or a beach cottage, your vacation home is a special place that needs protection. Whether it's used for weekend getaways or as a seasonal retreat, safeguarding this asset is crucial. Talk to Sargent Insurance Agency to learn about various coverage options.

Click And Learn

Longer vacancy times

Increased threat of theft

Environmental perils

Potential Guest issues

Property in your vacation home

Longer vacancy times coverage

Risk Factors

When a house isn’t your primary home, more often than not, it’s left unoccupied. Empty houses carry a higher risk of unreported (or late-reported) dangers, like leaks, fires, and vandalism.

Solution

The house owner should consider secondary home insurance to cover any unexpected perils.

Increased threat of theft coverage

Risk Factors

Houses that are even temporarily unoccupied carry a greater risk of theft. If you’re renting the home out to guests for part of the year, visitors may also pose a risk.

Solution

The house owner should consider secondary home insurance to cover any theft-related property loss.

Environmental perils coverage

Risk Factors

The features you appreciate most about your vacation home, like the waterfront view or resort location, could increase the chances that your property is affected by a natural disaster, like a hurricane, earthquake or wildfire.

Solution

You may need to purchase additional insurance coverage to protect the structure and your belongings from these types of disasters. Secondary home insurance can be opted for the same.

Potential Guest issues coverage

Risk Factors

Do you like to host guests on your property? There can be possibilities where a drunk guest injures himself or damages your neighbor’s property.

Solution

Liability insurance is included in the policy you purchase for your secondary home and protects you from accidental bodily injury to another person or damage to their property. It’ll help cover medical expenses, legal fees if you’re sued, or paying for the damage you cause to another person’s property.

Property in your vacation home coverage

Risk Factors

You work hard for everything that makes your secondary home a comfortable and entertaining place to visit. However, if any of your property is damaged, you need to pay the repair costs from your pockets.

Solution

Personal property coverage is one way to ensure you’ll have the means to repair or replace them if they’re damaged by a covered loss, such as theft, fire, lightning, and more.

Types of Secondary Home Insurance Coverages

A secondary home insurance policy provides several key coverages, including:

Dwelling Coverage
Protect your secondary home's structure against fire, weather-related damage, and theft.

Coverage for Additional Structures
Includes protection for structures on your property, like gardening sheds, garages, and boat docks.

Personal Property Coverage
Safeguards the furniture, clothes, cookware, and other possessions you have at your second residence.

Coverage for Loss of Use
Covers additional living costs if a covered loss renders your second home uninhabitable and forces you to relocate temporarily.

Insurance for Personal Liability
Pays for medical and legal costs should you be found accountable for another person's harm or property damage.

Medical Payments Coverage
Covers medical expenses for guests injured on your property.

Importance of Secondary Home Insurance

Second homes offer a retreat from daily life and are valuable investments. However, they also present a higher insurance risk than primary residences. Infrequent occupancy of a second home in Little Rock or anywhere in Arkansas increases the risk of theft, vandalism, and unnoticed damages, such as burst water pipes.

Ready to Protect Your Vacation Home?

Reach out to Sargent Insurance Agency at Little Rock, Arkansas, to find the right coverage for your vacation home. We help you discover the coverages needed to protect your second home. Contact us today!

Already have Secondary Home Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

Request a Quote

Get Personalized Insurance

Name(Required)

First Last

Phone(Required)

Email(Required)

How can we help you?(Required)

By checking this box, you agree to receive an SMS from Sargent Insurance Agency. You may reply Stop to opt-out at any time!

This field is for validation purposes and should be left unchanged.

Comprehensive Secondary Home Insurance with Sargent Insurance Agency

Secondary Home Insurance Provided By Our Agency

Click And Learn

Longer vacancy times coverage

Risk Factors

Solution

Increased threat of theft coverage

Risk Factors

Solution

Environmental perils coverage

Risk Factors

Solution

Potential Guest issues coverage

Risk Factors

Solution

Property in your vacation home coverage

Risk Factors

Solution

Types of Secondary Home Insurance Coverages

Importance of Secondary Home Insurance

Ready to Protect Your Vacation Home?

Already have Secondary Home Insurance? Switching is easy

Get Personalized Insurance

Sargent Insurance Agency

Personal

Business

Working Hours

Get Quality and Affordable Insurance