What about our vacation home in another state?

Insurance companies can operate in more than one state so the company that carries your primary residence may issue a policy for your vacation home.  Personal liability is covered in the first homeowners policy so the second policy need cover only property.  This type of policy is called a "dwelling policy."

If you rent out your second home for all or part of the year, your homeowners policy may need to be endorsed (added to) to cover the increased liability exposure.  The renter's property is not covered under your dwelling policy.  Should damage occur while someone is renting your property, they will need to check with their own agent about their coverage.

Association of Wyoming Insurance Agents
		P.O. Box 799 Sundance, WY 82729-0799 Voice: (307) 283-2052 Fax (775) 796-3122 Email: awia@vcn.com