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Protect Your Second Home with The Huneycutt Group

Your second home is not just an investment; it’s a cherished retreat where memories are made. Protect this valuable asset against natural disasters and unexpected events with The Huneycutt Group’s premium homeowners’ insurance coverage. Our comprehensive policies provide a safety net for your second home, ensuring peace of mind and financial security.

Wilmington’s Coastal Beauty Comes with Unique Challenges

Wilmington, NC, is renowned for its Southern charm, vibrant culture, and stunning coastal views. However, its location along the Atlantic coast also brings unique weather-related risks. From hurricanes and floods to windstorms and hail, protecting your investment in Wilmington requires robust homeowners insurance.

Homeowners Insurance in Wilmington: Comprehensive Protection

At The Huneycutt Group, we offer tailored homeowners insurance strategies that ensure comprehensive protection against any threat. Whether you own or rent your second home, we provide the right coverage for your needs. Our home insurance partners offer competitive rates in Wilmington, NC, and statewide.

With over 50 years of combined experience in the North Carolina insurance industry, our team understands the challenges homeowners face. Many national insurance carriers refuse to insure homes near beach communities due to storm threats. This makes it crucial to work with an agency experienced in coastal home protection. With over 35 years of experience insuring beachfront and coastal homes, The Huneycutt Group is your trusted partner.

Whether it is your primary home, rental home or your vacation home we can help. From a $50,000 condo to a $10,000,000 coastal oceanfront custom home, we can protect your home!

What Is The Difference Between A Second Home And A Primary Home For Insurance?

Primary Home Insurance

Your primary home is where you live most of the year. Insurance for a primary home typically covers a wide range of risks and is sometimes more comprehensive. Maybe you have additional coverage for jewelry, watches, fine art, etc.  The premiums may be lower because the home is occupied most of the time, reducing the risk of certain types of damage.

Second Home Insurance

A second home, such as a vacation or seasonal property (not rented to others), is not occupied year-round. This increases certain risks, such as burglary or maintenance issues going unnoticed. Therefore, insurance for a second home often includes additional considerations and can be more expensive. It is essential to ensure that your second home has adequate coverage for its unique risks, including those specific to its location, such as coastal weather threats.

Vacation Home Insurance

If your second home is rented only sometimes, it is not the same as a vacation rental investment property. It’s important to discuss your situation with your agent at The Huneycutt Group so they can provide the right coverage for you for the right price. Having the wrong coverage when disaster strikes can leave you out in the wind.

Insurance Coverage For Your Second Home 

When insuring your second home, it’s crucial to ensure comprehensive coverage tailored to its unique needs and risks. Here are the primary coverages included in an insurance policy for your second home:

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Dwelling Coverage

This coverage helps pay for repairs or rebuilding if your second home is damaged by covered perils such as fire, wind, hail, or vandalism. It includes the structure of the home itself as well as attached structures like garages or decks.

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Other Structures Coverage

This portion of the policy covers detached structures on your property, such as sheds, fences, or guest houses. It ensures these additional buildings are protected against covered risks.

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Personal Property Coverage

Personal property coverage protects the contents of your second home, such as furniture, electronics, clothing, and other personal items. If these items are stolen or damaged by a covered peril, this coverage helps pay for their repair or replacement.

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Liability Coverage

Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property. It covers legal fees and medical expenses if you’re found legally responsible for the injury or damage.

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Medical Payments Coverage

Regardless of who is at fault, this coverage helps pay for medical expenses if a guest is injured on your property. It ensures that minor injuries can be addressed without a liability claim.

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Loss of Use Coverage

If your second home becomes uninhabitable due to a covered event, this coverage helps pay for temporary living expenses, such as hotel stays or rental homes, while repairs are made. It ensures that you have a place to stay while your home is being restored.

Factors Affecting Home Insurance Rates in Wilmington


Homes built with custom materials may require additional insurance.


Your home’s location and claims history influence insurance costs.

Replacement Expenses

Knowing the full rebuild cost of your home ensures adequate coverage.

Age of Your Home

The age and upgrades of your home affect insurance rates.

Get a Competitive Insurance Quote Today

Protect your second home with The Huneycutt Group’s expert insurance solutions. Contact us to get a competitive quote tailored to your unique needs. Enjoy the peace of mind that comes with knowing your coastal North Carolina home is safeguarded against any threat.

Bundle Auto & Homeowners Insurance Serving Wilmington

You’ve heard that bundling your home and auto can save you money. If you are looking to save even more on your homeowners insurance rates, The Huneycutt Group can bundle your home and auto insurance needs together to save you even more. 

Take 90 seconds to tell us about your home and we’ll get back to you TODAY. 

Secondary Residence Insurance FAQs

Yes, insurance for a second home is typically more expensive than for a primary residence. This is because second homes are unoccupied for longer periods, increasing the risk of unnoticed damage, theft, or maintenance issues. Additionally, second homes in high-risk areas, like coastal regions, may face higher premiums due to the increased likelihood of natural disasters such as hurricanes or floods.

Renting out your second home can affect your insurance policy significantly. Standard homeowners insurance may not cover damages or liability related to rental activities. You might need:

  • Landlord Insurance: Covers property damage, liability, and loss of rental income due to covered events.
  • Short-Term Rental Insurance: If you use platforms like Airbnb or VRBO, you may require specialized coverage to protect against the unique risks associated with short-term rentals, such as guest-caused damage or liability issues.

Yes, special coverage is often necessary for a second home in a high-risk area such as a coastal region. Standard homeowners insurance might not cover certain natural disasters prevalent in these areas, so additional policies or endorsements may be required:

  • Flood Insurance: Typically a separate policy, essential for homes in flood-prone areas.
  • Hurricane and Windstorm Coverage: Specific endorsements or policies that cover damage from hurricanes and high winds.
  • Erosion and Coastal Damage Coverage: In some coastal areas, special coverage for erosion and other coastal-specific risks may be necessary.

Contact The Huneycutt Group