Seasonal and Vacation Home Insurance

Vacation homes can be amazing getaways from the hustle bustle of everyday life, but a vacation property isn't your primary residence, so why insure it like it is?

View vacation home insurance options

What Is Seasonal and Vacation Property Insurance?

Seasonal and Vacation Property insurance from Farmers provides coverage for accidental damage, liability, and loss, as provided in the policy.

For your convenience, you can choose a prepackaged policy or customize a policy to meet your specific situation. We don’t even require that you insure your primary residence with us in order to cover your seasonal or vacation secondary property.

Seasonal Home coverages and settlement options:

Comprehensive Property Coverage

This means we can cover most direct, sudden, and accidental physical losses not specifically excluded in your policy.

Named Peril Coverage

This means we can cover "perils" (such as fire, explosion, lightning, windstorm and hail) that are specifically named in your policy, subject to policy exclusions and conditions.

Liability Coverage

Liability insurance covers you if you're found legally responsible for an accident that either causes injury to someone who doesn't live in your home, or that causes damage to another's property.

Actual Cash Value (Partial Loss)

In the event of a partial loss by an insured peril (like if a hail storm breaks a few windows), this covers the cost to replace or repair your damaged property, with a deduction for depreciation and minus any applicable deductible.

Agreed Loss Settlement (Total Loss)

If your home is destroyed by an insured loss, you will receive the full amount of insurance you purchased for your home, minus any applicable deductible. Availability of the “Agreed Loss Settlement” option may depend on the type of policy written.

Replacement Cost

Purchase optional Replacement Cost coverage and receive a settlement that reflects the cost to replace the damaged property with new property of comparable material and quality, without any deduction for depreciation.

Extended Replacement Cost

You may receive up to an additional 25% of the amount of insurance necessary to replace your home. Extended Replacement Cost is not available in all states.

We also offer options for:

  • Replacement Cost coverage on Personal Property
  • High Liability Limits


Contact an Agent and Get a Quote

Cover your seasonal or vacation home, and everything you love about it, with a specialized policy that offers you the coverage you want. Get a quote today, or contact your local Farmers agent for more information.

Seasonal and Vacation Home insurance issued by an insurer in the Foremost Insurance Group, 5600 Beech Tree Lane, Caledonia, MI 49316. Contact a Farmers agent for more information.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.