Summer’s finally come to a close, and it’s time to shutter those vacation homes until next season. But adversity can strike your vacation properties even when you’re not around. Ice and snow, wind and rain, flood, fire, and other natural catastrophes can wreak havoc on your prized vacation home, destroying property and irreplaceable personal items in moments. Water damage from plumbing fixtures is the number one claim for properties and can cause extensive damage when you are not there and the water runs for days.

The time to protect yourself s now—before disaster robs you of your investment and your memories. But how do you choose the policy that’s appropriate for your vacation home? The type of coverage you need depends in large amount on the age and condition of your property. A rustic hunter’s cabin in the mountains may not require the same depth of coverage as a modern luxury lakefront home with a boathouse. Don’t risk overpaying or under-protecting your vacation home.

At MAGIS, we understand the nuances of insuring high-value vacation properties, and we’ll work with you to craft a policy that never leaves you vulnerable. We’ll also help make sure you don’t incur the unneeded expense of over-insuring properties that require less coverage.

Do you rent out your property during the off season? What if a guest is injured while on your property? Don’t leave yourself vulnerable to unanticipated injury claims. If you rent or lease your vacation home during the off season, MAGIS can help you craft a policy that covers any injuries uncured by guests occupying your property. And if renters damage your home during their stay, MAGIS still has your back, with coverage options for you and renter’s insurance for your guests.

Do you store boats, cars, or other vehicles on your vacation property during the off season? Do you have a boat dock or marina? Harsh weather can leave these valuable possessions vulnerable to damage. At MAGIS we can help you protect your vehicles and facilities from damage, theft, or loss due to weather, fire, or vandalism. Maybe you’ve given family members or guests permission to use your vehicles or facilities in your absence. If so, you may be leaving yourself open to added liability. Let us help you create a leak-proof policy that protects you, your possessions, and your guests.

Even if you’ve secured your vacation home for the off season, you may still be vulnerable. A ruptured pipe that goes unnoticed can result in substantial damage an entire missed season at your vacation spot and you may or may not be compensated to rent another home while repairs are being made. Let us help you develop a comprehensive plan that provides the peace of mind that you have what you need if disaster strikes.

Contact a MAGIS representative today, and let us work with you to evaluate your vacation properties, assess your risks, minimize your exposure, and craft a policy that covers you, your property, your possessions, and your guests.