Vacation and Second Home Insurance

A vacation home isn’t covered the same way your primary residence is — and that distinction matters. Because the property sits empty for stretches of time, it can face higher risks from undetected damage (like a burst pipe going unnoticed for weeks), theft, or vandalism. Vacation home insurance accounts for these unique exposures, providing coverage for the structure, your belongings, and liability, even when no one’s there to keep an eye on things.

If you ever rent the property out, even occasionally, that changes your coverage needs further — most personal vacation home policies don’t account for paying guests. We’ll help you choose a policy that matches how you actually use the property, whether it sits vacant most of the year or doubles as an income property.