What coverage do I need for my vacation home?

Vacation homes can provide a relaxing getaway from stresses of everyday life. Just as with your primary residence, a vacation home needs to have adequate insurance protection. These types of homes require a different type of property insurance, however. A vacation property isn’t your primary residence, so why insure it like it is?
While it may not be your primary residence, your vacation home still faces potential damage or loss due to fire, wind, storms and severe weather. It is also vulnerable to vandalism and theft during the time it is unused. Because of these risks, not all insurance companies will insure second homes.

Farmers Seasonal and Vacation Home Insurance

Seasonal and Vacation Property insurance from Farmers provides coverage for accidental damage, liability, and loss, as provided in the policy. You can choose a prepackaged policy or customize one to meet your specific situation. Unlike many insurers, Farmers doesn’t require you to insure your primary residence with Farmers: coverage options are available for your seasonal or vacation property regardless of your primary home insurer.

What coverage does Seasonal and Vacation Home Insurance provide?

Just like standard Homeowners Insurance, Seasonal and Vacation Property Home insurance helps offset the costs of repairs, replacement costs and living expenses if something happens to your vacation home due to accidents like fire, lightning, wind-driven water, hail damage or theft.

Additional Specialty Homeowners coverages available through Farmers

Do have a rental property? Do you own a vacant property or one in less than optimal condition? As a landlord, with Farmers you can choose a Landlord or Rental Property insurance package that is a good option for you. You can also customize your policy with extra options to suit your unique situation and help you protect your investment.

If your home’s market value is lower than it would cost to rebuild it, some insurance companies may be reluctant to provide coverage. For older or lower-valued properties, Farmers has created specialty policies specifically for these types of homes.

Helping to meet your coverage needs

Farmers Specialty Property insurance covers additional types of properties in addition to seasonal and vacation properties, providing coverage for homes that may not qualify for typical homeowners coverage, such as vacant homes or rental properties. No matter the type of homeowner’s coverage need you have, chances are Farmers will have a coverage that can help.


With numerous choices and options, Farmers offers a variety of Seasonal and Vacation Property insurance packages. Contact me today and we can discuss your property insurance options.

To speak to a representative with Farmers about Home Insurance or other products, call us at Farmers Insurance - The Wertzberger Agency at 913-383-3276 or email us HERE