Seasonal and Secondary Home Insurance
Seasonal and secondary home insurance covers a vacation or part-time residence that sits empty for stretches of the year. It typically protects the dwelling, detached structures, personal property, and liability, and it is written separately from your primary homeowners policy because longer vacancies and wildfire exposure change how the risk is viewed.
A second home is a place to unwind, but it also sits empty for stretches of the year, and that changes how it should be insured. We help California owners protect part-time homes with coverage suited to how often the property is used and where it sits.
What does seasonal and secondary home insurance cover?
- The dwelling and its attached structures.
- Personal property kept at the home.
- Personal liability tied to the property.
- Other structures such as detached garages and sheds.
- Additional protections that may apply when a home is unoccupied for longer periods.
Who needs it? Owners of a vacation or weekend home used part of the year; buyers of a mountain, foothill, or coastal second home; families who split time between two residences; and owners who want coverage separate from their primary homeowners policy.
Homes in California’s mountain, foothill, and coastal areas often face meaningful wildfire exposure, and a home that sits empty for long stretches can be viewed as higher risk. We can help you understand options such as the California FAIR Plan for basic fire coverage and a difference-in-conditions (DIC) policy that may sit alongside it. When we place FAIR Plan coverage, we act as your broker and represent you, not the California FAIR Plan.
How we help: We review how your property is used, how long it stays unoccupied, and its wildfire exposure, then explain the coverage paths that may fit. If you rent the home out or are considering it, we can talk through landlord coverage, and personal umbrella protection can extend liability across your homes.
