Vacation and Second Home Insurance in Des Moines and Clive, Iowa
A second home should be protected as carefully as your first. Absolute Insurance Agency, an independent agency in Clive, Iowa, insures vacation homes and second homes for clients across the Des Moines metro and in 25 states, whether it is a lake house, a cabin, a condo up north, or a place in a warmer state. Our agents compare carriers to protect a home that sits empty part of the year, at the right price.
What does vacation and second home insurance cover?
A second home policy protects the dwelling, your belongings inside it, and your liability, much like a primary homeowners policy, but it is written for a property you do not live in full time.
Why is a second home insured differently?
Because it sits empty for stretches of the year, a second home carries different risks, such as a burst pipe, storm damage, or a break-in that goes unnoticed. Insurers price and write these policies differently from a primary residence, so it is worth having an independent agent match the coverage to how and when you use the home.
Can you insure a second home in another state?
Yes. Absolute Insurance is licensed in 25 states, so we can cover a second home outside Iowa and keep it on the same trusted agent as the rest of your coverage. As founder Jeff Eastvold puts it, that reach exists to take care of clients wherever they are.
Do I need coverage if I rent out my vacation home?
If you rent the home to others, even occasionally, a standard second home policy may not be enough. Short-term or seasonal rentals usually need added coverage for that exposure. Tell your Absolute agent how you use the home, and we will make sure the policy fits.
Get a vacation or second home insurance quote
Request a free quote online, call Absolute Insurance at 515-279-2722, or email service@insaia.com. Our agents compare options across 15 to 20 carriers to match you with the right coverage at a competitive price.
Frequently asked questions
Yes. Absolute Insurance is licensed in 25 states, so we can cover a second home outside Iowa and keep it with the same agent as your other policies.
It can be, because a home that sits empty part of the year carries higher risk of unnoticed damage or theft. An independent agent compares carriers to keep the cost reasonable.
Usually yes. Renting the home to others, even seasonally, adds exposure a standard second home policy may not cover, so tell your Absolute agent how you use it.
