Arizona Vacation Home Insurance

How to find the right type of coverage

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Arizona Vacation Home Insurance

Whether you are among the Arizona residents who are fortunate enough to own a vacation home, or you are an out-of-state resident who owns a vacation house here in the Grand Canyon State, you will need to be sure to cover this secondary property with the right insurance.

A local independent insurance agent can answer your questions about vacation home insurance and can help you find a reliable, yet affordable, policy to suitably cover your property. Find an insurance agent near you to learn more.

What Is Vacation Home Insurance?

When a house is not your primary residence, it has a few extra risks that insurance companies will take into consideration.

Vacation home insurance is a specialized homeowners insurance policy that is designed to cover secondary properties that are not used year-round, like vacation homes.

How Much Does Vacation Home Insurance Cost in Arizona?

Vacation home insurance is typically more expensive than primary home insurance.

This is because secondary properties often present more property damage risks. This may be because of the location (think beachfront or mountainside), amenities (think swimming pool or hot tub), or because these properties are left vacant for much of the year.

When calculating your cost for coverage, insurance companies will take several factors into consideration. These include:

  • The size, age, and value of your vacation house.
  • The crime rate and weather risks in the ZIP code where your vacation home is located.
  • The value of the contents you typically keep inside the home.
  • How far the vacation home is from the nearest fire station and/or fire hydrant.
  • Whether you rent the home out to others whenever you are not using it.
  • Whether you are bundling your vacation home insurance with other policies like your primary homeowners insurance or your car insurance.
  • Your claims history and credit score.

The only way to find out how much your vacation home will cost to insure is by contacting a few competing insurance companies and requesting customized quotes. Local independent insurance agents can do this on your behalf.

Save On Vacation Home Insurance

What Does Arizona Vacation Home Insurance Cover?

The risks that you are likely to face regarding your vacation home depend on where your house is located. In Arizona, top risks include wildfires, property crimes, severe storms, and hail. In other parts of the country, tornadoes, hurricanes, or freezing temperatures may be the top concern.

In many cases, vacation home policies are what are known as “named peril” policies, meaning that they will only cover against the risks you specifically specify when you purchase the coverage. Independent insurance agents can help research the risks you are likely to face wherever your vacation property is located and can ensure that your policy provides all the coverage you need.

Your vacation home policy will include three different types of coverage:

  • Dwelling insurance: This can cover the cost to repair or rebuild if the structure of your vacation home is damaged or destroyed by a covered event. You will want to be sure that your coverage levels are high enough to permit you to rebuild a house of comparable size in the event of a total loss.
  • Contents insurance: This can cover the cost to repair or replace the property you keep inside your rental home, such as furniture, artwork, electronics, and clothing, if they are stolen or are damaged by a covered event.
  • Homeowners liability insurance: The policy you have for your vacation home can include personal liability coverage. However, if you have coverage for your primary home and your vacation home through the same insurance company, this coverage is often extended from your homeowners insurance to cover both properties.

In some cases, your insurance company may require you to purchase supplemental or different kinds of coverage such as:

  • Vacant home insurance: This may be required if your vacation home is left empty and unattended for several months out of the year.
  • Landlord insurance: This may be required if you rent out your vacation home to others whenever you are not using it. If this is something you do not do often, you may be able to purchase an endorsement on your vacation home policy instead.

An independent insurance agent in Arizona can ask the right questions and can recommend the right policies when it comes to covering your vacation home.

What Doesn't Arizona Vacation Home Insurance Cover?

Just as with traditional homeowners insurance, there are some things that vacation home insurance will not cover. These include:

  • Flood damage: Floods pose a significant risk if your vacation home is located near water like a lake, river, creek, or the ocean. However, flood risks are not limited to designated flood zones. In order to be covered against flood damage, you will need to supplement your vacation home insurance with a flood insurance policy through the National Flood Insurance Program (NFIP).
  • Landslides/mudslides: Damage caused by earth movement is not covered by vacation home insurance. Mudslides and landslides are typically related to flooding and are therefore often covered by flood insurance.
  • Earthquake damage: The risk of earthquakes is slightly elevated in Arizona, but if your vacation home is located in a riskier spot like many parts of California, supplementing your coverage with earthquake insurance is particularly important.

A local independent insurance agent will be happy to read your policy’s fine print and explain in simple terms what your policy will and will not cover. If you need supplemental coverage, your agent can help you find it at a great price.

How an Independent Agent in Arizona Can Help You Find the Best Vacation Home Insurance

Whether you need to find great coverage for your vacation home, primary home, or a rental property, a local independent insurance agent can help. These insurance professionals can answer all of your insurance-related questions and can help you find appropriate coverage at a competitive price.

There are more than 400 independent agents in Arizona. Contact an insurance agent near you to get more information.

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