It’s your home away from home. It’s your refuge. Protect your sanctuary with a Vacation Home Insurance Policy. Liveoak Agency, Inc. has expert agents on deck to shop for the best deal available and write a policy designed just for you.

What is Vacation Home Insurance?

Similar to your homeowners policy, vacation home insurance policies generally provide coverage for loss, liability, and accidental damage. However, unlike your primary residence, your vacation home will often be unoccupied. The result – a higher premium. An empty house is at greater risk for vandalism, theft, and undetected damage, such as broken water pipes. But the peace of mind that comes with knowing your vacation home is covered makes those extra few dollars well worth it.

What Factors Influence Cost?


As with any home, location is always a key factor in pricing insurance policies. A remote mountain cabin can be at greater risk for damage from wildfire. A beach house is more likely to incur wind damage. These types of risks can impact the price of coverage and deductibles.

Type of Property

The types of building materials used and the age of your vacation home can also impact the cost of insurance, along with the type of property itself, e.g. townhouse, condominium, single-occupancy home.


Also referred to as “attractive nuisances,” amenities that increase risk such as a pool can trigger higher insurance costs.

What Does Vacation Home Insurance Cover?

Most vacation home insurance policies cover the same type of events as your homeowners policy. A Liveoak agent can go over the types of coverage available for your vacation home. Standard coverage can include:

Liability Coverage:

Provides coverage if you are found legally responsible for an accident that harms a non-resident of your home or causes damage to another person’s property

Comprehensive Property Coverage:

Covers physical losses not specifically excluded in your policy

Named Peril Coverage:

Covers damages specifically named in your policy, such as lightning, hail, and fire

Other Coverage Options

Other coverage options are available dependent on the type of policy you purchase. A Liveoak agent can explain each of these and tailor your policy to your specific needs. Other options can include:

  • Actual Cash Value
  • Agreed Loss Settlement
  • Replacement Cost
  • Extended Replacement Cost

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