Free Vacation Home Insurance Quotes

Vacation homes should be all about fun, but unfortunately, they’re not always fun to insure! As you’ve probably discovered, some insurance carriers have no interest in providing coverage for unoccupied houses or rental properties. However, if you need to insure your vacation home, you’ve come to the right place. Here at Correll Insurance Group, we are experts in vacation home coverage. As you know, The Carolinas are a vacation destination, so it’s no surprise that many of our clients have vacation homes, second homes, and vacation rental properties. Over the years, we’ve partnered with the right companies, and learned how to provide maximum vacation home insurance protection at the most competitive rates available.

We offer:

  • Vacation home insurance
  • Insurance for rental property
  • Vacant home insurance
  • Unoccupied house insurance
  • Landlord buildings insurance
  • Landlord property insurance
  • Landlord liability insurance
  • Second home insurance

Our Carolina vacation home experts can work with you to help you understand underwriting criteria and take necessary steps to attain the most desirable vacation home insurance rates. For example, if your vacation home is located in a coastal region, you may be able to significantly reduce your vacation home insurance premium with some hurricane-proofing steps, such as installing wind-resistant garage doors and roofing or impact-resistant glass windows.

Generally speaking, rates for unoccupied homes are higher than for those occupied year-round, simply because the risk of theft or catastrophic fire is higher during periods of vacancy. However, if your vacation home is vacant or unoccupied at certain times during the year, you may save money on your vacation home insurance premium by installing an alarm system, a fire sprinkler system, or a fire resistant roof. Also, make sure to follow a few precautions to minimize your chance of having a theft or vandalism claim at your vacation home property:

  • Use effective, functional window latches and locks.
  • Install light timers.
  • Replace fire and carbon dioxide alarm batteries.
  • Ask someone who lives nearby to check on the house at least once a week.
  • Hire a weekly lawn maintenance service.
  • Turn off the pilot light for any gas fireplaces.
  • Unplug all portable heaters and appliances.

If you’re purchasing a second home, remember that vacation home insurance rates are more affordable for newer homes that comply with the latest building codes and for homes located in low-crime neighborhoods. Many insurers offer better rates to vacation homes located in gated communities. Also, keep in mind that if you’re purchasing a second home in a low-lying area, you may need a separate flood insurance policy.

If you’re renting your vacation house, you may have additional liability and property exposures. Don’t assume that the liability insurance from your primary home policy extends to protect your vacation home. Tell your agent about what types of activities might take place at your rental property, so he or she can recommend the best protection. It’s a good idea to include a waiver of liability in your rental agreement. You should also adopt a proactive system of managing keys and/or access codes. Also, ask about landlord liability insurance and landlord property insurance for an added measure of protection. If you operate a business, make sure to ask us about business liability insurance.

Do You Need Landlord Property And Liability Insurance?

If you have rental property, landlord property and landlord liability insurance should be considered. They can protect you if and when a dispute arises between you and your tenants. In some cases, the policy pays for any legal expenses incurred to resolve a dispute.

If a tenant extensively damages your rental property, landlord property insurance pays to restore it, and may cover your loss of rental income during the restoration period.

As with your primary home, maintain an accurate inventory of your vacation home’s belongings and update the inventory every six months. Keep photos, receipts, serial numbers, and model numbers whenever possible. If you store recreational toys at your vacation home, such as boats, kayaks, jet skis, or ATVs, ask your agent if they’re covered by your vacation home policy or if a separate policy is needed. Also, ask your agent about how you can mitigate the liability involved with allowing renters to use these items.

An additional risk to consider is how you protect your personal data if you make a computer available to renters. Make sure to set up a separate “guest” login, apply a password to your Wi-Fi connection, and install anti-virus software.

Whatever your vacation home or second home insurance need, Correll Insurance Group can help! As a Trusted Choice® independent agency, we have relationships with many of the nation’s leading vacation home insurance carriers, so you can count on us to give you an objective assessment of your vacation home risks, insurance options, and rates.

Correll Insurance Group offers vacation home insurance for all of The Carolinas. Find a location near you, or call one of our offices for a free vacation home insurance quote today.

Request More Info

You may also call 864.583.5445 to speak to an agent.

On the recommendation of friends, my wife and I began doing business with Correll Insurance Group shortly after we moved to Spartanburg in 1996. We have continued that relationship ever since and have been very pleased. Correll offers insurance coverage through a number of top flight carriers. They found us great coverage for our home and automobiles as well as an umbrella liability policy. While we have been very happy with the products offered, their outstanding customer service is really what has kept us coming back year after year. When I call or e-mail our agent at Correll with a question or concern, I can always expect a prompt, accurate, courteous response.

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Find A Local Agent

Looking for a trusted insurance partner you can count on? Look no further. Correll Insurance Group is here to serve you as we have served many generations throughout the Carolinas over the past 80 years. Our teams of independent insurance agents look forward to providing competent, competitive, and caring service that’s also convenient for you or your business.


Citizens Insurance Agency

Anderson, South Carolina
(864) 226-0354
branch details

Lowcountry Insurance Services

Beaufort, SC
(843) 522-2020
branch details

Correll Insurance Group of Bluffton

Bluffton, SC
(843) 815-2121
branch details

Adams, Eaddy & Associates

Columbia, SC
(803) 254-9404
branch details

Correll Insurance Group of Gaffney

Gaffney, SC
(864) 489-5788
branch details

Chandler Insurance

Greenville, SC
(864) 232-1591
branch details

Coastal Plains Insurance

Hilton Head Island, SC
(843) 785-7733
branch details

Correll Insurance Group of Inman

Inman, SC
(864) 472-2129
branch details

Landrum Insurance Agency

Landrum, SC
(864) 457-3328
branch details

United Insurance Agency

Laurens, SC
(864) 984-4548
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John T. Cook & Associates – Loris

Loris, SC
(843) 756-7460
branch details

John T. Cook & Associates – Myrtle Beach

Myrtle Beach, SC
(843) 626-9491
branch details

Correll Insurance Group of Rock Hill

Rock Hill, SC
(803) 324-2984
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Correll Insurance Group of Spartanburg

Spartanburg, SC
(864) 583-5445
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Correll Insurance Group of Summerville

Summerville, SC
(843) 486-8711
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Correll Insurance Group of Union

Union, SC
(864) 429-8819
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Jerome and Summey Insurance Agency

Brevard, NC
(828) 884-4161
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Cashiers Insurance Agency

Cashiers, NC
(828) 743-2209
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The Phoenix Company

Winston Salem, NC
(336) 765-9332
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Gardner Associates Insurance

Columbia, SC
(803) 978-2000
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Fields Insurance

Columbia, SC
(803) 708-3775
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