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!

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Bundle to save!

Save up to 20% by bundling your insurance.

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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 your property are covered from wind, hail and 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 restored.

  • Liability

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