Mountain Home Insurance
Mountain home insurance is a specialized form of homeowners insurance designed to cover properties located in mountainous or remote areas. These homes often face unique risks like wildfires, landslides, heavy snow, and limited emergency access that standard policies may not fully address.
What It Typically Covers
- Dwelling Coverage: Protects the structure of your home from damage due to fire, wind, snow, or other covered perils.
- Personal Property: Covers belongings inside the home, such as furniture, electronics, and clothing.
- Liability Protection: Helps with legal costs if someone is injured on your property.
- Additional Living Expenses: Pays for temporary housing if your home becomes uninhabitable due to a covered event.
- Scheduled Property: Optional coverage for valuables like jewelry, firearms, or collectibles.
- Umbrella Insurance: Adds extra liability protection beyond standard limits.
- Flood & Earthquake Add-ons: Often necessary in mountainous regions prone to natural disasters.
Why It’s Different
Mountain homes may:
- Be more isolated, making emergency response slower
- Require higher coverage limits due to rebuilding costs
- Need separate policies for short-term rentals (like Airbnb)
- Face exclusions for natural flooding unless flood insurance is added