9. Rental Properties, Secondary Homes & Hurricane Risk: What You Might Be Missing

Do you own a second home, vacation rental, or short-term rental property? These homes carry unique hurricane-related risks—and often have insurance gaps that primary homeowners don’t face.

Why It Matters
Insurance policies for secondary or rental properties are structured differently than for primary residences. Vacancy clauses, limited loss-of-use coverage, or higher deductibles can leave you exposed during hurricane season.

How It Impacts You
If your rental home is damaged and can’t be leased, or your policy doesn’t cover unoccupied periods, you could face financial loss. Many owners are unaware of these limitations until they need to file a claim.

Be Proactive
Review your policies for:

  • Short-term rental coverage
  • Vacancy provisions
  • Loss-of-rent protection
  • Appropriate flood and wind coverage
    Make sure your coverage aligns with your property’s use.

How Mappus (Afore) Helps
We specialize in insurance for unique properties, including investment homes and vacation rentals. We tailor coverage to meet the needs of landlords and short-term hosts alike.

Don’t leave your second home or income stream vulnerable. Talk to Mappus/Afore Insurance about protecting your rental or vacation property before hurricane season hits.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Mappus Insurance Agency Inc. is here and ready to make the process as painless as possible. We look forward to meeting you!

Call Email Claims Payments