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href="https://policyholders.amig.com/content/munichre/amiggrp/policy-holder/storefront/en/landing-page/company-.html">About Us</a></li> </ul> </li> </ul> </div> </div> </div> </div> </div> <div class="container banner"> <img src="https://amig.com/amig-wp/wp-content/uploads/2014/10/vacation-home.jpg" title="Cabin in the woods with a dock " alt="Insure your second home with coverage appropriate to a vacation home or other seasonal property." /> </div> <div class="container "> <div class="wrapper main-middle"> <div class="archive-ttl"> <h1>Vacation Home Insurance</h1> </div>  </div> </div> <div class="container specialty"> <div class="wrapper"> <div class="left"> <p>Owners of a higher-end second home or vacation home typically want to insure it with a policy similar to what they have on their full-time residence, which includes a comprehensive list of causes of loss and replacement cost settlement.</p> <p> </p> <p>But some vacation homes are older. Maybe it’s that well-loved lake house or cabin that’s been in the family for years. It may lack insulation, a furnace or central air, possibly even electricity. Homes that are cherished, but not in pristine condition, may not qualify for comprehensive coverage. Instead, they need something more basic.</p> <p> <br /> American Modern<sup>®</sup> offers both types of coverage.</p> <p> <br /> When you describe your “get-away home” to your agent, he or she can explain your options and help you decide what level of coverage is the better fit for it.</p> <p> </p> <h3>We’ll let you rent out your vacation home</h3> <p>With a simple endorsement, you can rent out your vacation home on occasion to family or friends. This should be an infrequent, and not a regular, income-generating activity. For that, you should insure your home as an actual rental property.</p> <p> </p> <h3>Want more information or a quote?</h3> <p>Your agent can answer your questions and get you a quote. Looking for an agent? <a href="https://my.doculivery.com/stylesandimages/AMIG/AgentLocator/AgentLocator.html" target="_blank" rel="noopener">Use this search tool to find one near you</a>, or call us at <a href="tel:18668846167">866-884-6167</a>.</p> </div> <div class="right"> <div class="quick-links"> <h3>Quick Links</h3> <ul> <li class="li-parent"><a href="https://my.doculivery.com/stylesandimages/AMIG/AgentLocator/AgentLocator.html" target="_blank">Find an agent for a quote</a> <ul> <li style="font-size:14px;">If you want to <a href="https://my.doculivery.com/stylesandimages/AMIG/AgentLocator/AgentLocator.html" target="_blank">find an agent now</a>, or have questions, call us at <strong>866-884-6167</strong>. Our hours are 8 a.m. to 8 p.m. EST Monday through Friday.</li> </ul> </li> <li><a href="/customer/manage-your-account/" target="_blank">Current customers</a> <ul> <li><a href="/customer/make-a-payment/">Make a payment <img src="https://amig.com/amig-wp/wp-content/themes/amig2015/assets/images/bl-arrw.png" alt="" style="vertical-align:middle;" /></a></li> <li><a href="https://my.doculivery.com/External/AMIG/Login.aspx">Go to Online Services <img src="https://amig.com/amig-wp/wp-content/themes/amig2015/assets/images/bl-arrw.png" alt="" style="vertical-align:middle;" /></a></li> <li><a href="/customer/manage-your-account/" target="_blank">Manage your account <img src="https://amig.com/amig-wp/wp-content/themes/amig2015/assets/images/bl-arrw.png" alt="" style="vertical-align:middle;" /></a> </li> <li><a href="tel:+18005432644">Call us: 800-543-2644 <img src="https://amig.com/amig-wp/wp-content/themes/amig2015/assets/images/bl-arrw.png" alt="" style="vertical-align:middle;" /></a></li> </ul> </li> </ul> </div> <div class="learn-more"> <h3>Learn More</h3> <div class="more"> <p>Spring is near. We have a few tips to help you inspect for winter damage and prepare for spring and summer storms.</p> <a onclick="show_hide_box();" style="cursor:pointer;">Keep reading   <img src="https://amig.com/amig-wp/wp-content/themes/amig2015/assets/images/bl-arrw.png" alt="" style="vertical-align:middle;" id="down_arrow_kr" /></a> <div class="keep_read" id="kread2" style="display:none;"> <ul> <li><strong>Inspect the shingles.</strong> Cracks, breaks, peeling, and loss of grains all indicate that asphalt shingles are nearing the end of their effective life. Water stains can point to a slope problem and possible decking failure. A spongy feel underfoot is a warning sign that the decking is getting wet and is failing.</li> <li><strong>Clean, but don’t power wash.</strong> The pressure from a power washer can strip off the top layer of shingles, making them vulnerable to the sun’s UV rays, and can loosen shingles making them less resistant to wind storms. Instead, pick-up sticks and debris by hand, then gently sweep. Moss or mold growth are best treated with a spray-on cleaning solution you can buy at the hardware store.</li> <li><strong>Empty the gutters by hand.</strong> Clean out the dirt, sticks, leaves and seeds by hand first, then use the garden hose to rinse. Just using the hose risks plugging the drain pipe. Secure any loose section. Recheck for puddles in the gutter which indicate that the slope is too shallow.</li> <li><strong>Refasten loose flashing.</strong> Wind, ice and snow can cause the flashing around vent stacks, the chimney or skylights to heave. It does not take much of a gap for water to slip under the flashing and shingles, and into the decking.</li> <li><strong>Check the soffits and fascias for gaps.</strong> No one wants a family of wasps, squirrels or bats to set up housekeeping in the attic.</li> <li><strong>Stay safe.</strong> Get help with the ladder and take it slow, or just call a local roofer to spend an hour or two checking for you. 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