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Vacation Home Insurance: How to Protect Your Property This Summer

As summer approaches, many homeowners prepare to spend time at their seasonal properties—whether it’s a beach house in Belmar, a cottage in Ocean Grove, or a coastal retreat in Sea Girt. These unique homes offer rest and relaxation but also come with specific insurance needs. Making sure your vacation home insurance is properly structured can help you avoid costly surprises during the season.

🔍 Why Vacation Homes Need Specialized Insurance

Vacation homes in Monmouth County—towns like Long Branch, Manasquan, Avon-by-the-Sea, and Asbury Park—are often unoccupied for long stretches of time. This increases the risk of damage from storms, theft, vandalism, and undetected water issues. In most cases, a standard homeowners policy on your primary residence won’t provide sufficient protection. A dedicated vacation home insurance policy is usually necessary.

🛡️ Key Coverages to Include

A strong policy should include:

  • Dwelling & Property Coverage – Protects against physical damage from fire, wind, theft, and other named perils 
  • Liability Insurance – Important if you host guests or rent the property out seasonally 
  • Loss of Rental Income – If your home becomes uninhabitable during peak season, this coverage can replace lost income 
  • Flood Insurance – Especially critical in coastal towns like Sea Girt, Belmar, and Long Branch. Standard policies don’t include it 

💡 Strengthen Your Coverage with These Best Practices

  • Install monitored alarms and water sensors 
  • Schedule routine maintenance and post-storm inspections 
  • Work with an advisor who understands the Jersey Shore market and coastal property risks 

📞 Your Summer Property, Properly Insured

At The Luxury Group, we offer customized vacation home insurance solutions for seasonal properties throughout Monmouth County and beyond. Whether you own a beachside rental or a family retreat, we’ll help you build coverage that reflects your needs and protects what matters.

Get a quote today to make sure your seasonal property is ready for summer—no gaps, no stress.

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