Secondary Home Insurance in Florida – The Marcus Group

Why Secondary Home Insurance Matters in South Florida

Owning a vacation or second home in Florida is a major investment — but it also comes with added risks. Unlike your primary residence, secondary homes are often unoccupied for long periods, making them more vulnerable to theft, damage, or maintenance issues.


At The Marcus Group, we provide specialized secondary home insurance in Florida ensuring your seasonal or vacation property is properly protected. Whether it’s a family beach house, a condo you rent out part-time, or a second home in another part of Florida, we’ll customize a plan that fits your needs.

Couple gazing at a modern two-story house, arm in arm. Exterior shot, cloudy sky, neutral colors.
SECONDARY HOME INSURANCE

What Our Secondary Home Insurance Covers

Family smiling while looking at a photo in a new home, with moving boxes in the background.

Dwelling Coverage

Protects the structure of your second home from fire, storms, theft, and vandalism.

Personal Property Coverage

Covers belongings stored inside your secondary residence, such as furniture and electronics.

Liability Protection

Covers you if a guest is injured on your property or you’re held responsible for damage.

Pays for alternative accommodations if your second home becomes uninhabitable after a covered event.

Loss of Use

Couple dances by open patio doors overlooking the ocean, suitcases nearby.

Common Add-Ons & Options

House submerged in water, protected by shield with checkmark.

Flood Insurance Add-On

Essential in South Florida since homeowners insurance does not cover flooding.

Black and white illustration of a house, shield, and key, representing home security.

Short-Term Rental Coverage

Coverage for Airbnb or vacation rental properties used seasonally.

Three stars above a diamond symbol.

High-Value Item Protection

Extra protection for valuables stored in your second home.

Who Needs Secondary Home Insurance in Florida?

  • Vacation Homeowners – Seasonal properties used part-time.

  • Rental Property Owners – Homes rented to guests during the off-season.

  • Snowbirds & Part-Time Residents – Florida secondary homes for winter stays.

  • Investment Property Owners – Condos, beach houses, or second homes across Florida.

Local Risks to Consider

Secondary homes in South Florida face unique challenges:


  • Hurricanes & Storms – Strong winds and flooding while homes are vacant.

  • Theft & Vandalism – Increased risk for properties left unattended.

  • Flooding – Particularly in flood-prone areas of Broward, Palm Beach, and the entire state of Florida.

  • Tenant Damage – If the home is rented seasonally, tenants may cause unexpected issues.

FAQs – Secondary Home Insurance in Florida

  • Why can’t I just use my homeowners insurance for a second home?

    Secondary homes face different risks and often require specialized coverage for liability, rentals, and unoccupied time periods.

  • Does secondary home insurance cover rentals?

    Not automatically. If you rent your property seasonally, you’ll need additional short-term rental coverage.

  • Is flood insurance included with secondary home insurance?

    No. Flood insurance must be purchased separately. We can help secure it.

  • Can I insure my secondary home if I live out of state?

    Yes. We provide coverage for Florida vacation and investment properties, even if your primary home is elsewhere.

  • Can I bundle my primary and secondary home policies?

    Yes. Bundling may save money and simplify your coverage.

Protect Your Second Home with Confidence

Get the Right Secondary Home Insurance in Florida

At The Marcus Group, we’ve helped Florida families protect vacation homes and investment properties for decades. With customized coverage options and local expertise, we’ll ensure your second home is properly protected.