• Seasonal and Vacation Property Insurance Coverage

    Vacation homes can be amazing getaways from the hustle bustle of everyday life, but a vacation property isn’t your primary residence, so why insure it like it is?

    What Is Seasonal and Vacation Property Insurance?

    Seasonal and Vacation Property insurance from Kinghorn Insurance provides coverage for accidental damage, liability, and loss, as provided in the policy.

    For your convenience, you can choose a prepackaged policy or customize a policy to meet your specific situation. We don’t even require that you insure your primary residence with us in order to cover your seasonal or vacation secondary property.

    Seasonal Home Insurance Coverage and settlement options:

    Comprehensive Property Coverage

    This means we can cover most direct, sudden, and accidental physical losses not specifically excluded in your policy.

    Liability Coverage

    Liability insurance covers you if you’re found legally responsible for an accident that either causes injury to someone who doesn’t live in your home, or that causes damage to another’s property.

    Named Peril Coverage

    This means we can cover “perils” (such as fire, explosion, lightning, windstorm and hail) that are specifically named in your policy, subject to policy exclusions and conditions.

    Actual Cash Value (Partial Loss)

    In the event of a partial loss by an insured peril (like if a hail storm breaks a few windows), this covers the cost to replace or repair your damaged property, with a deduction for depreciation and minus any applicable deductible.

    Agreed Loss Settlement (Total Loss)

    If your home is destroyed by an insured loss, you will receive the full amount of insurance you purchased for your home, minus any applicable deductible. Availability of the “Agreed Loss Settlement” option may depend on the type of policy written.

    Replacement Cost

    Purchase optional Replacement Cost coverage and receive a settlement that reflects the cost to replace the damaged property with new property of comparable material and quality, without any deduction for depreciation.

    Extended Replacement Cost

    You may receive up to an additional 25% of the amount of insurance necessary to replace your home. Extended Replacement Cost is not available in all states.

    We also offer options for:

    • Replacement Cost coverage on Personal Property
    • High Liability Limits

    Contact an Agent and Get a Quote

    Cover your seasonal or vacation home, and everything you love about it, with a specialized policy that offers you the coverage you want. Get a quote today, or contact your local Kinghorn Insurance agent for more information.


    Thanks to all who voted for Kinghorn Insurance Agency for the The Island Packet Reader's Choice Award For Best Insurance Agency!You can always speak to a local Kinghorn Insurance agent to learn more about insurance coverage options, or talk about your other insurance coverage needs.

    If you would like a free, no obligation South Carolina insurance quote, there are many ways to obtain one! Fill out our online quote form, call us, or stop by one of our offices.

    Our Bluffton office is located between Bluffton and Hilton Head across from the Moss Creek Center at: 1544 Fording Island Rd, Hilton Head Island, SC 29926, or just click on the map to get directions.

    Our Hilton Head office is located in Shelter Cove at: 23-D Shelter Cove Lane, Hilton Head Island, SC 29928, or just click on the map to get directions.

    Contact a Kinghorn Insurance Agent today at 843.837.3911 or 843.686.3911!

    Important:

    • You cannot bind, alter, cancel or change coverage by email or by leaving voicemail.
    • You must speak with an authorized representative of Kinghorn Insurance Agency, LLC.
    • In case of an Emergency, please dial 911.