Vacation Home Insurance
Coverage for second homes and seasonal properties.
Typical cost: $1,500 – $4,000+ per year
Vacation Home Insurance
Vacation home insurance covers second homes, cabins, beach houses, and seasonal properties. These homes face unique risks: extended vacancy, different perils based on location, and potential short-term rental use that requires additional coverage.
Vacancy Concerns
Standard policies restrict coverage when homes are vacant for extended periods (typically 30-60 days). Vacation home policies account for irregular occupancy patterns and may include vacancy provisions appropriate for seasonal use.
Rental Considerations
If you rent your vacation home through Airbnb, VRBO, or other platforms, you need additional coverage. Standard vacation home policies exclude commercial rental activities. You may need a landlord policy or short-term rental endorsement.
What's covered
Dwelling Coverage
Covers the vacation home structure against fire, storms, and other perils.
Personal Property
Protects furnishings and belongings at the vacation property.
Liability Coverage
Covers injuries to guests at your vacation property.
Vacancy Coverage
Maintains coverage during extended periods when home is unoccupied.
Short-Term Rental
Optional endorsement covering Airbnb/VRBO rental activities.
Tips
- • Disclose vacation home status to get appropriate policy
- • Install smart home monitoring for leaks and temperature
- • Winterize the property or maintain minimum heat
- • Consider higher liability limits for guest activities
- • Get short-term rental coverage before listing on platforms
Other home insurance types
Condo Insurance
Coverage tailored for condominium owners and their unique needs.
Townhouse Insurance
Protection for townhouse owners including shared wall coverage.
Mobile Home Insurance
Specialized coverage for manufactured and mobile homes.
New Construction Insurance
Protection for newly built homes during and after construction.
Historic Home Insurance
Specialized coverage for older and historic properties.
Stay informed
Weekly insurance tips and coverage insights. No spam.