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Secondary home insurance covers your home away from home.

Secondary Home Insurance - Luxury Beach Front Vacation Home with Multiple Balconies and Private Dock in the Summer at Dusk

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Your vacation property is an amazing getaway. Protect it with secondary home insurance.

Factors to consider when insuring a secondary home.

Your secondary home may serve as your vacation property, a summer home, or just a getaway location. Regardless, having a second home comes with unique risks. It’s important to have secondary home coverage specifically designed for the unique exposures involved. Getting insurance for these types of properties can seem confusing, so here are a few basic guidelines and points to consider.

The difference between secondary and seasonal homes.

The precise definition of a seasonal and secondary home may vary from insurer to insurer, so be sure to ask us about it. Generally, there are two different types of vacation homes. A secondary home is one that you only stay in for short periods of time. A seasonal home is one where you may have a longer stay but only at particular times of the year.

  How much does it cost to insure a vacation home?

The cost of your policy may vary on a number of factors, including the type of home and its location, as well as expensive amenities and whether or not you rent your property out.

What makes it unique from your home insurance policy?

The general principles of vacation home insurance are the same as homeowners insurance. However, there are two differences. One is that a vacation home is more likely to be unattended for extended periods, increasing the risk of burglary as well as both the risk of and potential damage from fires or flooding.

Lower coverage limits overall.

Coverage limits will often be lower at a seasonal or secondary home, simply because you likely keep fewer and less valuable possessions in a vacation property, particularly when it’s unattended. Because of the fact that your secondary home is at more risk and may have lower coverage limits, it might be worth taking the time to find a secondary home insurance policy that provides you with coverage specific to your needs.

Do you own another home and look to secure secondary home insurance? Contact us to go over your coverage options and guide the way.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Contact One Street Insurance Group

Our Aurora, CO Office

1010 South Joliet Street
Suite 200
Aurora, CO 80012

Email Us
 303-577-9922 fax

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Secondary Home Insurance Quote Request

Application information

Current Address
Own or Rent?
Date of Birth

Co-Applicant Information

Date of Birth

Other Drivers

Driver #1

Date of Birth

If current student, please answer:

Driver #2

Date of Birth

If current student, please answer:


Vehicle #1

Vehicle #2

Vehicle #3

Vehicle #4

Vehicle #5

Do you have custom equipment?



Home Information

Do you have a declaration page you can send us?
Is the property currently insured?
Is this a new purchase?

Property Information:

Central Alarm:
Pool/Hot Tub:
Do you have a dog?
Bite History?

A few final questions about other services we offer.

Umbrella Insurance:

In short, Umbrella Insurance protects you when the limits of your auto, homeowners, or other personal liability insurance policies are exhausted and you face potential lawsuits and/or millions of dollars of damages. Umbrella Insurance Policies provide coverage for bodily injury and property as well as things your regular policies don’t normally cover.
Would you like more information about umbrella coverage?

Life Insurance:

Life Insurance, quite simply, is an insurance policy that pays a beneficiary or beneficiaries of your choosing in the unfortunate event of your death. Unlike most insurance policies, you may never see the benefits of the policy but the people you care about and rely on you surely will.
Are you interested in a life insurance quote or current policy review?

Commercial Insurance:

If you own your own business we would love the opportunity to insure that as well. We have the ability to insure most business types, have several companies that we work with and offer most policy types.
Would you be interested in a commercial insurance quote?
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 303-577-9998 or email us.

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