Vacation Home Insurance

Full-time coverage for your part-time home

When you’re serious about taking time off, you don’t need to stress about coverage. A homeowners policy for your second home is similar to your policy on your primary residence, but may come with different risks. Common features of vacation homes — like a pool or waterfront access — may incur additional costs, and coverage is sometimes limited to specific events.

Talk to your insurance expert about a policy specifically for your vacation home. We will work to find the right insurance plan for you from the nation’s top carriers at a competitive price. Don’t forget: bundling your car, boat, RV or other policy is a great way to save!

Get a vacation home insurance quote

Fields marked with an * are required

Get a Quote

Understand Your Coverage

  • Dwelling

    Protects your vacation home in the event of fire, vandalism or another unexpected event.

  • Other Structures

    Your garage, boat house, gazebo and other structures on the property are covered from wind, hail and any other damage.

  • Personal Property

    Belongings, like furniture or clothes, can be replaced if stolen or destroyed.

  • Displacement

    Temporary living costs, like food and hotels, are covered while your home is being restored.

  • Liability

    If someone is injured or if property is damaged, your assets are protected from any lawsuits.

Additional Coverage Options

  • Extended or Guaranteed Replacement

    If rebuilding after a loss may exceed the estimated value or your home, consider additional coverage. An Extended Replacement endorsement will cover up to 25% more than the estimated value and Guaranteed Replacement goes even further to put your place back the way it was.

  • Service Line Coverage

    The homeowner is typically responsible in the event of damage to utility lines entering your home. Coverage for Service Lines will help to pay for repairs to sewer lines, power lines and more.

  • Water Backup Coverage

    Due to aging sewer systems and new home construction, unexpected drain backups are increasingly common. A Water Backup add-on provides coverage for damage to walls, floors, furniture and more.

Save By Bundling

Save even more with a multi-policy discount when combining auto, home, renters and condo insurance.

What our customers are saying...

  • In two words: Great service.

    Soad K.
  • My representative responded in a timely manner. She searched for the best coverage and price for our new town home. Meghan gave us excellent professional service!

    Barbara L.
  • The team at Guaranteed Rate Insurance continues to exceed our expectations by far. From day one, the insurance experts have been customer friendly, knowledgeable and just plain awesome. They care about you in every way.

    Henry P.
  • Everyone I dealt with knew my name, knew my coverage, and answered my questions in terms I could grasp. No one tried to “sell” me. I will continue to do business with these people, now and in the future.

    Christopher J.
  • A one-stop shop! Amazing customer service! Straight shooters — like dealing with a great family member. Would highly recommend!!!

    Geraldine P.
  • For my first time buying a home, I never once felt like I was out of the loop. Everyone clearly communicated with me every step of the way. Guaranteed Rate Insurance found me insurance and beat my current company by a lot!

    Ryan K.
  • Our agent is super quick to respond to questions, provides information about anything I’m curious about, and works hard to keep our premiums low. We’re super happy that she works so hard for us!

    James M.
  • Who I worked with was so kind and friendly. She made sure I knew what was going on. She got our insurance quick.
    — Cassie S.

  • I appreciated you all being patient with me and my father. It was my first time and I had a lot of questions and made mistakes. And, considering how unprecedentedly busy you all are this time of year, the responses were prompt enough. I appreciated the help very much.
    — Krishan A. 

  • We had many questions through the process and she was very thorough and prompt with her replies. She got us the coverage we needed at an incredible value – cutting my car insurance in half and finding us a home insurance plan that was incredibly affordable. We are thankful to her and Guaranteed Rate Insurance for getting us the coverage we needed with little to no effort from us.
    — Erik D. 

  • What an amazing experience. The communication throughout was great. The sense of urgency and timeliness of the process was beyond what I expected!
    — Eric E. 


  • How can I better the best.
    — Jorge T.



  • An easy experience it has been getting our mortgage and homeowners through Guaranteed Rate. They have made a harrowing experience so very easy; they streamline any process that needs to be completed and answer all questions with patience and clarity! I would highly recommend them to any family members and friends looking to purchase a home. Thanks Guaranteed Rate staff…you’re the best!
    — Terry D.