A second home is a different risk than your primary residence: it sits empty for stretches, may be near water, and is often in a different weather exposure. Carriers price secondary and seasonal homes differently, and a standard homeowners policy may not fully apply. We build a policy around how you actually use the place — including vacancy periods, water proximity, and any occasional rental — and shop it across carriers comfortable with second homes.
Who this is for
Lake & river houses
Guadalupe, Canyon Lake, and Hill Country water properties.
Seasonal getaways
Homes that sit vacant part of the year between visits.
Snowbird / out-of-area owners
Texas second homes owned from out of state.
What it covers
- Seasonal and secondary-residence policies
- Vacancy and unoccupied-period coverage
- Water proximity and flood guidance
- Liability for guests and family use
- Optional coverage for occasional short-term rental
- Bundle with your primary home and auto
Why a second home is a different risk
Insurers price a getaway differently than the house you live in, for good reason: it sits empty for stretches, it’s often near water, and it may be far enough away that a small problem becomes a big one before anyone notices. A burst pipe or a roof leak in an unoccupied lake house can run for days. Because of that, a standard homeowners policy may not fully apply — and writing it on the wrong form can leave you exposed.
We build the policy around how you actually use the place — full weekends in summer, quiet in winter, the occasional rental — and shop carriers comfortable with seasonal and secondary homes.
Vacancy and seasonal coverage
Long unoccupied stretches are the part standard policies handle worst. Some forms limit or exclude losses while a home sits vacant, which is exactly when theft, vandalism, and undetected water damage are most likely. We make sure your policy is written to account for the way a second home actually sits empty — and we’ll talk through simple steps (winterizing, monitoring) that can both protect the home and help your rate.
Flood near the lake and river
If your getaway is on the Guadalupe, near Canyon Lake, or anywhere with water exposure, flood is a real risk — and standard home policies exclude it. Flood needs its own policy. We check your flood zone and arrange separate flood coverage where it makes sense, so a rising river doesn’t turn your retreat into a total loss you can’t recover.