Cottages, camps and other properties used for vacation are no different from your regular homes. They are also considered valuable assets and investments that need to be protected. One way of protecting them is getting them insured. However, you must be aware that vacation properties are insured not in the same way that your main home is insured. The type of insurance coverage is dependent on how the property is used and the number of times it is being occupied. Many insurance companies will insure your vacation property provided they also insure your primary home. You can insure both properties separately or the vacation property will be listed as secondary location.