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The Basics
Vacation home insurance typically covers:
Dwelling Protection
Covers repairs to your vacation home’s structure if it’s damaged by covered events like fire, storm, or vandalism.
Personal Property
Protects your belongings inside the home against theft or certain types of damage.
Liability Coverage
Helps pay for legal expenses or medical bills if someone is injured on your property.
Other Structures
Includes coverage for detached structures such as garages, sheds, or guest houses on your property.
Loss of Use
Covers extra living expenses if your vacation home becomes uninhabitable due to a covered loss.
Guest Medical Payments
Pays for minor medical expenses if a guest is accidentally hurt on your property, regardless of fault.
Additional coverage options
Discover additional coverage options to ensure that all of your individual insurance requirements are covered.
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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.
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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.
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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.
You could save up to 20% on your insurance by bundling
Save with a multi-policy discount when combining auto, home, renters and condo insurance.