Best Insurance for Vacation Homes (2025)
Vacation home insurance tends to cost more and work a bit differently than primary home insurance. Farmers and Progressive offer some of the best vacation home coverage.
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Whether you own a secondary home to enjoy on vacation or rent out for revenue, it’s a good idea to consider your insurance needs. Vacation home insurance is a little different than primary home insurance since insurers view these properties as higher risk.
Here’s what you need to know about how primary and second home insurance policies differ, what vacation insurance covers, and how to find affordable coverage.
Quick Facts
Vacation homes often cost more due to additional risks associated with more frequent vacancies.
Some insurance companies don’t offer vacation or second-home insurance policies.
The average annual cost for secondary home insurance in the U.S. is $2,693. By state, average annual costs range from $1,040 in Vermont to $12,458 in Florida.
What is vacation home insurance?
A vacation home is a secondary residence that you might use on the weekends or while on vacation — or you may rent it out for revenue. Vacation homes are often in a different location from your main residence, providing a nice change of scenery. Just as you need adequate insurance to protect your primary residence, you need a separate policy to protect your vacation property.
While the same types of insurance are available for both properties, you can expect to pay more to insure your second home. Since you aren’t always at your vacation home, it has a higher risk of vandalism, theft, and undetected maintenance issues.
Best vacation home insurance companies
Not all insurance companies offer policies for second homes. To help you focus on the companies that do provide vacation insurance, consider some of the best insurance companies offering secondary insurance below.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Average Annual Cost | Best For |
|---|---|---|---|
| Farmers | 8.4 | $2,972 | Customization |
| Progressive | 8.2 | N/A | Ease of buying |
| Liberty Mutual | 8 | N/A | Bundling |
| Hippo | 6.8 | N/A | High-tech protection |
| American Family | 8.6 | $1,877 | Temporary rental coverage |
| The Hartford | 6.2 | N/A | Snowbirds |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Farmers: Best for customization
Progressive: Best for ease of buying
Liberty Mutual: Best for bundling
Hippo: Best for high-tech protection
American Family: Best for temporary rental coverage
The Hartford: Best for snowbirds
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How vacation home insurance differs from homeowners insurance
Insurance for a secondary property can have different terms than a policy for your primary residence. How you use your vacation property and how often you reside there can affect the type of coverage you need.
Insurance companies often write coverage for secondary residences on a “named perils” basis. This means your insurer will only cover losses due to the perils outlined in your policy. You won’t have coverage for any unnamed perils.[?]
Insurance for your primary residence typically covers all perils except the ones your policy explicitly excludes. When selecting coverage for your vacation home, carefully consider the location and any specific risks that you want to cover.
The following table highlights some of the different risk factors for primary and vacation properties.
Primary Home | Vacation Home |
|---|---|
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What vacation home insurance covers
A secondary home insurance policy typically provides the following coverage:
What vacation home insurance doesn’t cover
When insuring your second property, it’s important to understand what your policy doesn’t cover so you don’t have unpleasant surprises. Here are some things this insurance typically won’t cover:
Wear and tear: Like your primary homeowners insurance policy, your vacation home insurance won’t cover wear and tear.
Maintenance issues: If you fail to properly maintain your home, such as not repairing a leaky roof or pipe, your insurance won’t cover the damage.
Natural disasters: If your vacation home is in an area prone to floods, winds, or earthquakes, you might want to consider additional insurance. For instance, if an earthquake damages your beach house in California, your insurance won’t pay for damages unless you have additional earthquake insurance.[?]
Cost of vacation home insurance
The average national cost for $300,000 in dwelling insurance for a secondary home is $2,693 per year, compared to $2,377 for primary home insurance.
The annual cost of vacation home insurance varies greatly between states due to factors like location and exposure to natural disasters. Insuring a vacation home in Vermont costs an average of $1,040, while the average cost in Florida is $12,458.
Florida is prone to a range of disasters, including severe storms, cyclones, drought, and flooding, which increases the risk to home insurers and the cost to homeowners. Though Vermont also experiences weather disasters, the frequency and associated costs aren’t as high.
Compare average annual costs for secondary home policies with $300,000 in dwelling coverage by state.
State | Average Annual Cost |
|---|---|
| Alaska | $1,265 |
| Alabama | $4,462 |
| Arkansas | $3,816 |
| Arizona | $2,222 |
| California | $2,019 |
| Colorado | $4,614 |
| Connecticut | $1,999 |
| Delaware | $1,368 |
| Florida | $12,458 |
| Georgia | $2,749 |
| Hawaii | $1,304 |
| Iowa | $2,402 |
| Idaho | $1,854 |
| Illinois | $2,323 |
| Indiana | $2,115 |
| Kansas | $3,894 |
| Kentucky | $2,805 |
| Louisiana | $7,199 |
| Massachusetts | $2,111 |
| Maryland | $1,892 |
| Maine | $1,498 |
| Michigan | $2,085 |
| Minnesota | $2,643 |
| Missouri | $3,066 |
| Mississippi | $4,886 |
| Montana | $2,014 |
| North Carolina | $2,390 |
| North Dakota | $2,854 |
| Nebraska | $4,489 |
| New Hampshire | $1,388 |
| New Jersey | $1,436 |
| New Mexico | $3,810 |
| Nevada | $1,386 |
| New York | $2,558 |
| Ohio | $1,520 |
| Oklahoma | $6,168 |
| Oregon | $1,396 |
| Pennsylvania | $1,480 |
| Rhode Island | $2,307 |
| South Carolina | $3,491 |
| South Dakota | $2,903 |
| Tennessee | $2,798 |
| Texas | $5,048 |
| Utah | $1,552 |
| Virginia | $1,813 |
| Vermont | $1,040 |
| Washington | $1,628 |
| Washington, D.C. | $1,363 |
| Wisconsin | $1,656 |
| West Virginia | $1,577 |
Factors that affect vacation home insurance costs
Insurance companies use many factors to determine the cost of a standard home insurance policy, including your home’s age, building materials, if you have a security system or sprinkler system, and your claims history.
When determining premiums for a second home, your insurer will consider the following variables:
Location: Vacation homes are often in higher-risk areas, such as beaches or forests. When calculating your insurance premiums, insurers will carefully consider the type of natural disasters your vacation home is vulnerable to.
Extra amenities: Added amenities like a hot tub or pool can increase your home’s risk and insurance rates.
Property value: How much your property is worth also influences the cost of home insurance. If you own a high-value vacation property, you can expect to pay more for insurance coverage.
Vacancy: If your vacation property is unoccupied for a period of time, this can increase the risk of break-ins and vandalism. Vacant properties can also lead to undetected issues, such as a leaky or burst pipe. If you aren’t checking in on a regular basis, this can cause major damage.
Renters: Having renters in your vacation home is likely to increase the cost of insurance, as insurers view it as another risk. You may also need to purchase additional coverage.[?]
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Other insurance policies to consider for a vacation home
To provide the proper protection for your vacation home, you may consider some of the following insurance policies in addition to standard homeowners coverage:
Flood insurance: Flooding is the most common natural disaster in the U.S., and standard homeowners insurance policies don’t cover it. If you have a vacation home in an area prone to flooding, consider purchasing a separate flood insurance policy through a private insurer or from the National Flood Insurance Program (NFIP).
Earthquake insurance: A standard home insurance policy generally won’t cover damage from an earthquake. Some policies will cover damage from a fire following an earthquake and expenses to live elsewhere if your home is uninhabitable. If your vacation home is in an area prone to earthquakes, many private insurers offer separate policies or endorsements.
Wind and hurricane deductibles: In high-risk hurricane areas, homeowners insurance policies come with percentage deductibles for damages from windstorms or hurricanes. Deductibles typically depend on a percentage of the home’s value. For example, if a house has $300,000 in dwelling insurance and a 5% hurricane deductible, you’ll pay the first $15,000 before insurance kicks in.
Umbrella insurance: Your standard homeowners coverage provides liability insurance up to your policy’s limit. An umbrella policy provides additional liability coverage that kicks in once you’ve hit your standard policy limit.
Landlord insurance: If you plan to rent out your vacation home for short periods of time, you may need to add an endorsement to your existing policy. For longer-term rentals, you may need to purchase landlord or rental dwelling insurance.
Vacation home insurance FAQs
Understanding the right amount of coverage for your vacation home is important. The following information can help answer your remaining questions about vacation home insurance.
Can you insure two homes under a single policy?
No. Typically, you can’t cover two homes under a single insurance policy. If you have a vacation home, you’ll need to purchase a second policy.
Is home insurance more expensive for a vacation home?
Usually. Many factors affect the cost of home insurance, including location, the size of your home, and the type of insurance you purchase. Home insurance often costs more for vacation properties because they tend to have more frequent vacancies.
Does an umbrella policy cover a second home?
Possibly. An umbrella policy provides additional liability insurance and covers you once you reach your standard policy limit. If you have an umbrella policy on your primary residence, this protection may extend to your second home. Call your insurance company to clarify the details.
What is vacant home insurance, and when do you need it?
An insurer will consider your home vacant if it’s empty for 30 to 60 days. Many insurance companies stop coverage if your house is vacant for 60 days or more. For example, if you move into a new home and leave your old home vacant while you wait to sell it, you might consider vacancy insurance.
Does vacation home insurance cover you if you rent out your second home?
No. If you plan to rent out your vacation home for short periods of time, you may need to add an endorsement to your existing policy. Longer-term rentals may require you to purchase landlord or rental dwelling insurance. Contact your insurance company to determine what coverage you need.
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