If you own a second home, such as a vacation property, second home insurance can help protect both the home itself and your finances. But coverage becomes more complex when someone else lives in the property, making it essential to choose the right type of policy for your situation.
Several insurance options may apply to a second home, including homeowners, landlord and rental policies. Each is designed for different living arrangements, and the right choice depends largely on how the property is used and who occupies it.
