Vacation and Second Home Insurance Coverage
Home Insurance Add-On
Protect your second or vacation home from damages caused by natural disasters, theft and liability claims.
What is vacation and second home coverage?
How Second Home Coverage Helps You
Did you know?
Potential Guest Issues
Longer Vacancy Times
Increased Risk of Theft
Optional Itemized Personal Property Protection
Optional Hidden Water Damage Coverage***
Frequently Asked Questions
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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
**American Family Insurance is a participating company in the National Flood Insurance Program (NFIP). NFIP is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). Flood insurance is a separate policy underwritten by NFIP.
***Hidden Water Damage coverage is an optional coverage. May not be available in all states. Some restrictions apply to seasonal homes and manufactured homes. The leak must occur from within a plumbing, heating, A/C, fire sprinkler or a home appliance. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Mold damage limited to coverage limits provided by your homeowners policy.
†Coverage provided by adding the Inland Flooding optional endorsement. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan.
This insurance product is not affiliated with the National Flood Insurance Program (NFIP). Some coverages or limits may not be available in your state. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Please speak with your agent to learn more about your coverage options.