Events of the past few weeks in Hawaii should send second home owners looking for their home insurance policies. Regardless of whether your property is located in the mountains, by the sea or anywhere else, insurance is critical. Remember, there’s always some disaster to be protected from. And in the case of second homes, their often far-flung location may catch you off guard in insurance matters.
Think about it. You’re used to the potential disasters where you live, but those risks are often different elsewhere. My Dallas home owner’s policy has little need to discuss avalanches, hurricanes, tsunamis or volcanos. Homes in Hawaii may fall victim to all four, but are unlikely to be concerned with tornados.