Vacation homes aren’t covered like primary residences. Review flood/windstorm, vacancy, and short-term rental gaps, update dwelling limits, and add umbrella protection before peak season.

Own a vacation home in the U.S.? With rising premiums, extreme weather, and new rental risks, now is the time to recheck your insurance coverage. From flood exclusions to short-term rental gaps, this guide helps you avoid surprises before the next season hits