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Occupancy changes the picture
Tell us whether the home is seasonal, occasionally visited, short-term rented or unoccupied for longer periods. Those details may affect eligibility.
SECOND HOME PROTECTION
Second home insurance in Santa Fe, NM
Talk with our team about insurance considerations for vacation properties and homes that are not occupied year-round.
PERSONAL SERVICE · INDEPENDENT CHOICE
Coverage that fits your situation.
A secondary or seasonal property may face different risks from your primary residence. Be sure your insurer knows how often it is occupied, rented or left vacant.
Your eligibility, coverage, exclusions and pricing depend on the insurer and your circumstances. Talk to our Santa Fe team to review the details before choosing a policy.
INSURANCE DETAILS
Coverage details worth understanding
Compare policy terms, limits and deductibles. These are general descriptions, not a statement of specific benefits or availability.
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Home and belongings
Consider dwelling, personal property, liability and weather-related risks based on the property’s location and policy wording.
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Ask before you rent it out
Short-term or long-term rental use may require different protection or endorsements beyond a standard homeowners policy.
HELPFUL ANSWERS
Common questions
Have questions about your own situation? A local agent can help you explore the details.
Talk to our team →Can I use my primary homeowners policy for a vacation home?
Often a separate policy is needed. Coverage depends on use, occupancy, location and the carrier.
What if the property is vacant much of the year?
Vacancy and seasonal-use restrictions may apply. Discuss your situation before choosing coverage.
EXPLORE MORE
View all coverage →Related insurance coverage
Real people. Local help.
Family Insurance Group has served the Santa Fe area since 2010. Our team is ready to discuss coverage options for you.