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!
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Understand Your Coverage
Protects your vacation home in the event of fire, vandalism or another unexpected event.
Your garage, boat house, gazebo and other structures on the property are covered from wind, hail and any other damage.
Belongings, like furniture or clothes, can be replaced if stolen or destroyed.
Temporary living costs, like food and hotels, are covered while your home is being restored.
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.