What Is Second Home Insurance?
Second home insurance is a homeowners policy designed for properties you own in addition to your primary residence—whether it’s a beach house in Wrightsville Beach, a cabin in the mountains, or a condo in downtown Charlotte.
Because these homes are often unoccupied for long periods, or used as vacation rentals, they face unique risks that standard homeowners insurance may not fully cover.
Why Second Homes Have Different Insurance Needs
Insurers view second homes as higher risk than primary residences for a few reasons:
- Vacancy periods: Empty homes are more susceptible to undetected damage from leaks, storms, or vandalism.
- Location risks: Coastal and mountain properties in North Carolina can face severe weather events like hurricanes, windstorms, or snow/ice damage.
- Rental exposure: If you rent your second home through Airbnb, VRBO, or another service, you’ll need specialized coverage.
What Does Second Home Insurance Cover?
While coverage varies by carrier, a standard second home policy may include:
- Dwelling coverage – Repairs or rebuilding after damage from covered events like fire, wind, or hail.
- Personal property coverage – Protection for belongings kept in the home, such as furniture, electronics, and appliances.
- Liability coverage – If someone is injured on your property or you cause damage to another property.
- Loss of use – Pays for temporary housing if your second home becomes uninhabitable after a covered loss.
You can also add endorsements like:
- Windstorm and hail coverage (especially for coastal properties)
- Flood insurance (not included in standard policies)
- Short-term rental insurance for Airbnb or VRBO hosting
How Second Home Insurance Works in North Carolina
- Coastal homes – In places like Wilmington, Morehead City, and the Outer Banks, hurricane deductibles and windstorm coverage are critical.
- Mountain cabins – In areas like Boone or Asheville, you may need extra protection for ice, snow, and remote access risks.
- Urban condos – In cities like Charlotte or Raleigh, condo second homes require HO6 policies that coordinate with the building’s master policy.
How Sizemore Insurance Helps
As an independent insurance company, we:
- Compare multiple carriers that specialize in second home coverage
- Review your property’s location and use to recommend the right policy type
- Explain deductibles and endorsements so you know exactly what’s covered
- Help you combine policies for multi-home discounts
We make it easy to insure your home away from home—without overpaying.
Get a Quote for Your Second Home Today
Whether it’s a coastal retreat or a weekend cabin, Sizemore Insurance will help you protect it. Start your quote online or call (910) 791-1011 to speak with an advisor.