{"id":820,"date":"2020-06-12T16:06:14","date_gmt":"2020-06-12T21:06:14","guid":{"rendered":"http:\/\/guaranteedrate.wpengine.com\/?page_id=820"},"modified":"2025-10-17T17:17:06","modified_gmt":"2025-10-17T22:17:06","slug":"vacation-home-insurance","status":"publish","type":"page","link":"https:\/\/www.rate.com\/insurance\/vacation-home-insurance\/","title":{"rendered":"Vacation Home Insurance"},"content":{"rendered":"\t<div class=\"wp-block block-hero hero-v2 hero-refresh  bg-white \">\n\t\t<div class=\"row align-items-center\">\n\t\t\t<div class=\"col-lg-6 col-xl-5 order-2\">\n\t\t\t\t<div class=\"caption-overlay text-center text-lg-left\">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"title-hero\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<small>Vacation Home Insurance<\/small>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tSecure your home away from home\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hero-copy lead\">\n\t\t\t\t\t\t\tEnsure your vacation property is covered against unexpected events, so you can enjoy every moment of your getaway. \u200b\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-lg btn-primary\" data-target=\"#quoteModal\">\n                                Start Comparing Quotes\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n                            <picture class=\"hero-img col-lg-6\">\n                    <source media=\"(min-width: 768px)\" data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-1.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-1-200x142.png 200w\">\n                    <source data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-1.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-1-200x142.png 200w\">\n                    <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-1.png\" class=\"img-fluid lazyload\" alt=\"\">\n                <\/picture>\n            \n                    <\/div>\n\n\t<\/div>\n\n\t<div class=\"wp-block block-logos bg-200\">\n        <div class=\"container\">\n            <div class=\"content-logos\">\n                                    <h2 class=\"title-block mb-1 mb-md-0\">\n                        Compare rates from 100+ top-rated carriers                    <\/h2>\n                                <ul class=\"list-unstyled list-logos row mb-0  justify-content-between\">\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/allstate@2x.png\" width=\"102\" height=\"23\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            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height=\"45.5\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/nationwide@2x.png\" width=\"66\" height=\"70\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/aig@2x.png\" width=\"89\" height=\"48\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/hippo@2x.png\" width=\"130\" height=\"40\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                    <\/ul>\n                                            <\/div>\n        <\/div>\n\t<\/div>\n\n\n\n\t<div class=\"wp-block block-testimonials v2\">\n        <div class=\"container\">\n                            <div class=\"title-block\">\n                    <h2 style=\"text-align: center\"><span class=\"text-brand-base\">4.9 stars<\/span><br \/>\nrating from 5k+ Google verified reviews<\/h2>\n<p style=\"text-align: center\">We\u2019ve helped thousands find the perfect insurance and we\u2019d like to help you too.<\/p>\n                <\/div>\n                                    <div class=\"v2-swiper-wrapper\">\n                <div class=\"static-testimonials swiper-testimonials-v2\">\n                    <ul class=\"list-unstyled list-quotes\">\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Our team was amazing, everyone was willing to go the extra mile for us\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>We had many questions and need a lot of guidance through the process. Our team was amazing, everyone was willing to go the extra mile for us. We always had an answer to our questions and were provided with all the tools necessary to make the right choice.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Katherine L                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">The whole process has been extremely easy\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>First time home buyer, and the whole process has been extremely easy for me with your help.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Clark R                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Great rate. Wonderful customer service\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>Great rate. Wonderful customer service. Answer all my questions expeditiously especially since I am purchasing property out of state. Highly recommended. Everything done over the computer and phone with my information secure. Thank you.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Elaine W                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t<\/ul>\n                <\/div>\n                \n                            <\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\t<div class=\"wp-block block-columns container \">\n\t\t            <header class=\"header-section \">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t<h2>The Basics<\/h2>\n<p>Vacation home insurance typically covers:<\/p>\n\t\t\t\t<\/div>\n            <\/header>\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tDwelling Protection\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Covers repairs to your vacation home&#8217;s structure if it&#8217;s damaged by covered events like fire, storm, or vandalism.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tPersonal Property\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Protects your belongings inside the home against theft or certain types of damage.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tLiability Coverage\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Helps pay for legal expenses or medical bills if someone is injured on your property.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tOther Structures\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Includes coverage for detached structures such as garages, sheds, or guest houses on your property.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tLoss of Use\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Covers extra living expenses if your vacation home becomes uninhabitable due to a covered loss.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tGuest Medical Payments\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Pays for minor medical expenses if a guest is accidentally hurt on your property, regardless of fault.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"wp-block block-columns container no-borders\">\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Additional coverage options<\/h2>\n<p>Discover additional coverage options to ensure that all of your individual insurance requirements are covered.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>\n<h3>Extended or guaranteed replacement<\/h3>\n<p>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.<\/li>\n<li>\n<h3>Service line coverage<\/h3>\n<p>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.<\/li>\n<li>\n<h3>Water backup coverage<\/h3>\n<p>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.<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"wp-block block-cta-simple mb-7 container \">\n\t\t<div class=\"row\">\n            <div class=\"col-lg-10 mx-lg-auto\">\n                <h2 style=\"text-align: center;\">You could save up to 20% on your insurance by bundling<\/h2>\n<p style=\"text-align: center;\">Save with a multi-policy discount when combining auto, home, renters and condo insurance.<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"text-center mt-3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-lg btn-primary\" data-target=\"#quoteModal\">\n\t\t\t\t\t\t\t\tGet Your Free Quote\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n<div class=\"container wp-block block-related-posts\">\n                <aside class=\"post-aside post-tags text-xs \">\n                                    <h2 class=\"title-related\">Related Posts<\/h2>\n                                <ul class=\"list-unstyled row\">\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-8859 post type-post status-publish format-standard has-post-thumbnail hentry category-home category-specialty tag-vacation-home-insurance\" id=\"post-8859\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/03\/Blog-Graphic-1027-x-441-37-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a> <a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/vacation-home-insurance-everything-you-need-to-know\/\" rel=\"bookmark\" class=\"text-dark\">Vacation Home Insurance: Everything You Need to Know<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Many people dream of owning a vacation home: a getaway where they can escape and relax whenever the mood strikes. Vacation properties can also be great investments, depending on where they are located. If you\u2019re in the market for a vacation home, it\u2019s important to do the research and learn how to insure your vacation home property. Here\u2019s everything you need to know about vacation home insurance.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/vacation-home-insurance-everything-you-need-to-know\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Vacation Home Insurance: Everything You Need to Know<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-9609 post type-post status-publish format-standard has-post-thumbnail hentry category-specialty tag-boat-insurance tag-specialty-insurance\" id=\"post-9609\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/05\/Blog-Graphic-1027-x-441-48-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/boat-insurance-101\/\" rel=\"bookmark\" class=\"text-dark\">Boat Insurance Coverage: What do I need to know?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Whether you are out on the water, transporting your boat on a trailer, or storing it on dry land, it\u2019s important to have insurance. Insurance protects you from financial losses associated with damage to your boat. Taking the time to get quotes will make getting on the water even better, because you\u2019ll have peace of mind knowing that you\u2019re protected.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/boat-insurance-101\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Boat Insurance Coverage: What do I need to know?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-10011 post type-post status-publish format-standard has-post-thumbnail hentry category-specialty tag-rv-insurance tag-specialty-insurance\" id=\"post-10011\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/10\/Blog-Graphic-1027-x-441-1027-\u00d7-441px-3-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/how-much-does-recreational-vehicle-rv-insurance-cost\/\" rel=\"bookmark\" class=\"text-dark\">How Much Does Recreational Vehicle (RV) Insurance Cost?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Recreational Vehicle insurance costs will vary widely from one state to the next, similar to car insurance. With three different classifications of RV types, many factors can impact your premium cost\u2014including the size and style of RV you choose. Here&#8217;s everything you need to know about the cost of insuring your RV. <\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/how-much-does-recreational-vehicle-rv-insurance-cost\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about How Much Does Recreational Vehicle (RV) Insurance Cost?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                                        <\/ul>\n            <\/aside>\n            <\/div>","protected":false},"excerpt":{"rendered":"<p>Vacation home insurance<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"class_list":["post-820","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I need insurance for my vacation home? | Rate.com<\/title>\n<meta name=\"description\" content=\"You may not spend a lot of time at your vacation home, but you should still keep it protected. 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