what we do
Florida Vacation Home Insurance for Seasonal Living
Protecting Your Florida Home—Even When You’re Not There
Florida is one of the most popular destinations for vacation and seasonal homes. Whether you own a beach cottage, a coastal condo, or a second home you occupy part of the year, insuring a vacation property requires special consideration. Homes that sit unoccupied for extended periods face different risks than primary residences — and standard homeowners insurance may not always be the right fit. We help Florida property owners secure coverage designed specifically for seasonal and secondary homes.
What Does Vacation Home Insurance Cover?
Dwelling Coverage
Protects the structure of your vacation home against covered losses such as fire, wind, and storm-related damage.
Personal Property Coverage
Covers furnishings, appliances, and personal belongings kept at your seasonal residence.
Liability Protection
Provides coverage if someone is injured on your property or if you’re found responsible for damage to others.
Loss of Use Coverage
Helps cover temporary living expenses if your vacation home becomes uninhabitable due to a covered loss.
Optional Enhancements
Policies can be tailored to address risks common in seasonal homes, such as theft, water damage, or extended vacancy.
Coverage Tailored to Seasonal and Coastal Homes
Insuring a vacation home in Florida often comes with added complexity. Some insurers restrict coverage or charge higher premiums if a home is unoccupied for more than 30 or 60 days. Coastal vacation properties may face limited carrier options due to wind and hurricane exposure. As an independent agency, we work with multiple carriers — including those that specialize in coastal and seasonal properties — to help secure coverage even in challenging markets. We’ll also review whether your home is ever rented seasonally and ensure your policy reflects how the property is actually used.
Our Process
1
Review how often the home is occupied
2
Identify coastal or storm-related risks
3
Match the home with carriers that allow seasonal use
4
Customize coverage for property, contents, and liability
Vacation Home
vs. Primary Home Insurance
The table below highlights key differences between insuring a primary residence and a seasonal or secondary home.
| Coverage Consideration | Primary Home | Vacation / Seasonal Home |
|---|---|---|
| Year-Round Occupancy | Yes | No |
| Vacancy Restrictions | Minimal | May apply |
| Theft & Water Risk | Lower | Higher when unoccupied |
| Coastal Limitations | Varies | Often stricter |
| Rental Disclosure Needed | Rare | Sometimes required |
Not sure which category your home falls into? We’ll help clarify it.
Common Questions About Florida Vacation Home Insurance
Is vacation home insurance more expensive in Florida?
It can be, especially for coastal properties or homes left unoccupied for long periods. Costs vary by location, construction, and risk exposure.
What insurance do I need for a seasonal or secondary home?
Most policies include dwelling, personal property, and liability coverage, with options tailored for vacancy and coastal risks.
Does it matter if I rent my vacation home occasionally?
Yes. Renting the property may require different coverage or endorsements. We’ll help ensure your policy matches how the home is used.
Can you insure coastal vacation homes?
Yes. We work with carriers that specialize in coastal properties and help navigate wind and hurricane requirements.
Protect Your Home-Away-From-Home
Your vacation property is an important investment — protect it with Florida vacation home insurance designed for seasonal living. Our Jupiter-based team proudly serves second-home owners across Florida & Beyond with knowledgeable guidance and dependable coverage.
1
What we believe
We stand for beauty that feels real and shows real results.
We choose thoughtful over rushed. Intentional over trendy. Real over filtered. We believe in confidence that isn’t loud but is undeniable.
2
What we try to deliver
A skin that feels like home, and in a version of beauty that is deeply yours.
We use organic, dermatologically tested products to deliver impactful treatments that are safe and healthy for your body.
