Insurance for Second Homes: What Snowbirds Need to Know
Florida is home to thousands of seasonal residents — especially in Jupiter, Tequesta, Palm Beach Gardens, Juno Beach, North Palm Beach, Hobe Sound, Stuart, and the broader Palm Beach County area. Whether you stay for the winter or split time between states, your second home needs special insurance considerations.
Second homes face different risks. Because the property sits empty for long periods, your coverage must be structured differently than a full-time residence.
Vacancy limitations matter
Most carriers reduce or exclude certain coverage if your home sits empty for 30, 60, or 90 days. This affects homes throughout Jupiter Farms, Tequesta, Stuart, and Hobe Sound where seasonal occupancy is common.
Secondary home policies are often required
A proper seasonal/secondary home policy accounts for theft risks, unnoticed damage, water leaks, and storm-related issues. This is especially important for waterfront homes in Jupiter and Palm Beach Gardens.
Hurricane & windstorm coverage varies
In Palm Beach County and Martin County, carriers may require impact windows, shutters, roof inspections, separate hurricane deductibles, or wind mitigation inspections. Requirements vary between Jupiter Island, Tequesta, Stuart, and coastal areas.
Flood insurance is strongly recommended
Coastal communities — from Jupiter to Hobe Sound to Stuart — face frequent flooding, tidal surges, and heavy rainfall.
Liability limits should be higher
Accidents may go unnoticed when you’re away. Higher limits protect you from unexpected exposures.
Smart monitoring may reduce premiums
Discounts apply for water sensors, monitored alarms, cameras, temperature controls, and security systems.
Protect Your Florida Home — Even When You’re Away
Whether your property is in Jupiter, Tequesta, Palm Beach Gardens, Hobe Sound, or Stuart, we’ll help you set up the right protection for your seasonal home.
Call today! 561-951-7441