Secondary Residence Insurance
Coverage for a second home, vacation property, or house you don't live in full-time — with the extra protection an unoccupied property needs.
Coverage highlights
- Dwelling and personal property coverage for a home you don't occupy year-round
- Liability protection for guests and visitors
- Coverage options built for extended vacancy periods
- Guidance on flood and windstorm coverage for coastal or lake properties
- Bundling options if you also insure your primary residence with us
Why it matters here
From lake houses near Lake Conroe and Lake Travis to coastal properties along the Gulf, Texans' second homes face risks a standard occupied-home policy doesn't fully account for, including extended vacancy and storm exposure. We make sure your secondary residence is covered the way it's actually used.
FAQ
Can I insure my vacation home under my regular homeowners policy?
Usually not — most standard homeowners policies limit or exclude coverage for a home that sits vacant for extended periods. A secondary residence policy is built for that reality.
Does it matter if my second home is on the coast or a lake?
Yes — coastal and lake-area properties often need separate windstorm and/or flood coverage on top of the base policy. We'll walk you through what applies to your location.
What if I occasionally rent out my second home?
Let us know — occasional short-term rental use can affect coverage, and we'll make sure your policy actually reflects how the property is used.