Insurance for Part Time Residents

It’s that time of year again. We have withstood yet another grueling summer in the Coachella Valley and the fall season is now in full bloom. As the fall season progresses, we begin to relish the return of our desert’s near-perfect weather. We all know that when the beautiful weather returns, so do our valued snowbirds.  

Every year, around this time, thousands of snowbirds from all over the United States and abroad come to the Coachella Valley in search of refuge from their colder climates back home. If you are a resident from the desert with friends and family members who are snowbirds or perhaps you are a snowbird yourself, there are a few questions you should be asking yourself in terms of home insurance. 

Can you buy home insurance for property in different states?

Yes. However, it’s important to understand that not every insurance company is licensed to sell insurance in all states. You will need to check what your current policy covers. Your current insurance company may cover a secondary home, but may not be licensed to sell insurance in the state of California. Make sure you do your research. 

Will my primary home insurance policy cover my vacation home?

Insurance coverage is different for every company. Again, you will need to do your research. You need to look at whether your current homeowners insurance policy will cover a secondary home. If it does not, you will need to purchase a separate insurance policy for your secondary home. At Palm Desert Insurance, we offer broad coverage for your home that will protect you against a wide variety of potential threats such as protection of permanent structures such as your garage, protection against damage to your personal property, and limited coverage on certain types of possessions, such as jewelry. If you need to purchase a new policy for your California home click here.

If I rent out my property while I am away, do I need a different insurance policy?

If you are renting out your property while you are not living in it, you may need to look into rental property insurance. You might assume that your homeowner policy will have you covered but before you rent out your house through a website such as VRBO or Airbnb, talk to us. For more information on property rental insurance click here

If you are a snowbird or have friends or family who are snowbirds, let Palm Desert Insurance take care of your home insurance needs. Get your free quote today or give us a call at (888) 888-8872.