Ask about hurricane and windstorm damage limitations if your second home is on the coast or in the tropics. Some homeowners insurance policies offer limited coverage for hurricanes and storm damage in coastal areas if any. You might want to purchase additional hurricane or storm damage coverage. It’s also suggested that you discuss ways of lowering your insurance costs for your coastal home with your agent. Installing hurricane shutters, thick window film, roof coatings and sealants, and other such measures might provide added protection against storm damage and, in turn, lower your insurance costs for your coastal home.