Mountain Home Insurance Needs
Mountain properties require specific coverage considerations that differ from typical homeowner's policies. Understanding these needs helps ensure adequate protection.
Coverage Types
Dwelling Coverage
- Replacement cost vs. actual cash value
- Extended replacement cost options
- Building code upgrade coverage
Personal Property
- Contents coverage
- Scheduled items for valuables
- Off-premises coverage
Liability
- Personal liability coverage
- Medical payments
- Umbrella policies for additional protection
Special Considerations
Rental Properties
- Landlord policy requirements
- Short-term rental coverage
- Loss of rental income protection
Secondary Homes
- Vacancy clauses
- Reduced rates for limited occupancy
- Monitoring requirements
Cost Factors
- Distance from fire station
- Construction type (frame vs. log)
- Roof material and age
- Heating system type
- Claims history
Tips for Savings
- Bundle with auto insurance
- Increase deductibles
- Install security systems
- Update electrical and plumbing