Vacation Home Insurance

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What is Vacation Home Insurance?

Vacation home insurance policy is coverage designed to offer financial protection for individuals who own a second home that is used for vacation or rental purposes. It can offer many forms of coverage, including liability coverage for property damage or bodily injury caused to others, as well as coverage for damages caused by natural disasters, theft, or vandalism.

Vacation home insurance can also offer personal property coverage for belongings such as furniture, electronics, and clothing.

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How Much Vacation Home Insurance Do I Need?

Figuring out how much insurance to get for your vacation home can be tricky. The value of the property and the level of coverage you need should both be factored into the decision. Risks such as natural disasters, theft, or damage from renters are also important to consider when selecting a plan that's right for you. Ultimately, having the right amount of coverage can give you peace of mind knowing your vacation property is secure.

What Are the Different Types of Vacation Home Insurance?

• Standard Homeowners Insurance - This type of insurance provides coverage for damage to your property and personal belongings, as well as liability coverage in case someone is injured on your property.
• Vacant Home Insurance - This type of insurance is designed for properties that are unoccupied for an extended period. It typically covers risks such as vandalism and natural disasters.
• Rental Home Insurance - This type of insurance is designed for properties that are rented out to tenants. It typically covers risks such as damage caused by renters and loss of rental income.
• Flood Insurance - This type of insurance covers damage caused by floods, which is not typically covered by standard homeowners insurance.
• Earthquake Insurance - This type of insurance covers damage caused by earthquakes, which is not typically covered by standard homeowners insurance.

Frequently Asked Questions

Do I need a permit to rent my mountain cabin as a short-term rental?

If your cabin is in an unincorporated desert or mountain area of San Bernardino County, the county requires a short-term rental permit to advertise and rent it. Cities like Big Bear Lake have their own rules. Tell us before you list your home, because short-term rental use can change the type of insurance policy you need.

What is the difference between a vacation home and a vacant home?

A vacation home is a second home you or your guests use part of the year. A vacant home generally sits empty for 30 to 60 days or more with no one living in it. Insurers treat them differently, so let us know how often your second home is used and whether anyone stays there between your visits.

What if my vacation home cannot get regular coverage?

Homes in wildfire areas sometimes struggle to find coverage. The California FAIR Plan is an option for owners who cannot get insurance from a regular company, but according to the California Department of Insurance it currently offers a limited fire policy without liability, theft, or water damage. A Difference in Conditions policy can help fill those gaps.

Does my vacation home need its own liability coverage?

Yes, in most cases. Guests, renters, and even contractors can be hurt on your second property, and your primary home's liability coverage may not extend to it automatically. We can review your policies together so your vacation home, whether in the mountains or the desert, has liability protection that fits how it is used.