Second homes
Second-home insurance, built around how you use the place.
Explore the questions that shape insurance for a second residence, from personal stays and property condition to long stretches away.
Read the guideFor the way you get awayA second home.
A second home.
A clearer path
to insurance.
Your weekend escape. Your seasonal retreat. Your next guest’s favorite stay. Find a starting point that reflects how you actually use your property.
SECOND HOMES / VACATION RENTALS
Space to make memories.Coverage starts with understanding your property.
Personal staysSeasonal livingPaying guestsOne clear starting point
Start with your propertyDifferent places.
Different places.
Different insurance questions.
The address is only the beginning. Who stays there, when it is empty, and whether it earns rental income all belong in the conversation.
Seasonal living
Vacation and seasonal home insurance
Plan an insurance conversation around the seasons you stay, the months you are away, and the people who look after your property.
Read the guide
Rental hosting
Short-term rental insurance for the way you host
Explore insurance questions for paying guests, owner stays, direct bookings, and the periods between reservations.
Read the guide
A little clarity goes a long way
Make room for the details.
Finding insurance can feel complicated—especially after a nonrenewal or when your property does not fit a standard application. A clear description of your home is a useful place to begin.
- Explain your personal use and rental plans.
- Review deductibles, exclusions and property limits.
- Ask what changes when the house sits empty.
The processFrom property details
From property details
to a more useful conversation.
Tell us about the place
Share the state, property use, and the best way to reach you. Leave sensitive documents out of the initial request.
Clarify the important details
Occupancy, rentals, roof condition, and loss history help frame the next questions.
Review any available options
Look at the actual terms together. Coverage starts only when an authorized insurer confirms it.
Property notesKnow your home.
Visit the journal ↗Know your home.
Understand your options.
Costs and coverage
What affects second-home insurance cost?
Look at property use, condition, location, limits and deductibles before comparing premium estimates.
Read the guideRental hosting
Airbnb and Vrbo protection: questions to ask alongside your insurance
Keep booking-platform benefits and property insurance distinct when reviewing protection for your rental.
Read the guideRental hosting
One home, personal stays and paying guests
Create a clear use calendar before arranging insurance for a property that serves both your family and rental guests.
Read the guideGood questions
Before you begin.
What if I use the home and rent it out?
Include both uses in your request. Read our short-term rental guide for questions to ask about personal stays, paying guests, and gaps between bookings.
Does sending a request start coverage?
No. Submitting a form does not issue a policy or change existing insurance. Do not cancel current coverage while waiting for a response.
Can I request help after a nonrenewal?
Yes, if your property is in a state enabled on the quote form. Include the renewal deadline and the reason given, if known. There is no guarantee that an insurer will offer coverage.