Second & Seasonal Home Insurance in Danville, IN
Protect Your Vacation or Secondary Property Year-Round
Whether it’s a lakeside cabin, a weekend retreat, or a second house near family, your seasonal or second home deserves just as much protection as your primary residence. But these properties face unique risks — especially when they’re unoccupied for long stretches of time.
At Hadley Insurance, we offer tailored seasonal and second home insurance in Indiana, designed to secure your property and peace of mind. As a local, veteran-owned, and independent agency, we’ll help you find flexible coverage that works — whether your getaway is in Danville or beyond.
What Seasonal & Second Home Insurance Covers
We help protect the structure, belongings, and liability tied to your second property. Typical coverage includes:
- Dwelling Protection – Safeguards against fire, storms, theft, and vandalism
- Personal Property – Covers furniture, appliances, and valuables kept at the property
- Liability Insurance – Helps pay if someone gets injured on-site
- Loss of Use – Pays for temporary housing if your home becomes uninhabitable
- Detached Structures – Covers sheds, docks, garages, or outdoor spaces
Popular Add-On Options
- Vacancy Endorsements – Protection when homes are left unoccupied for long periods
- Flood Insurance – Especially important for lakeside or rural properties
- Scheduled Personal Property – Coverage for high-value items stored on site
- Rental Liability Coverage – If your second home is occasionally rented out
Who Needs Second Home Insurance in Indiana?
This coverage is ideal for property owners who:
- Own cabins, vacation homes, or weekend properties
- Live in another state but own property in Indiana
- Occasionally rent out their second home
- Keep valuable belongings at the secondary property
Local Risks to Consider in Indiana
From the lake country to wooded retreats, Indiana second homes face real risks:
- Storm & Hail Damage – Especially in rural areas
- Frozen Pipes – A common threat in vacant winter homes
- Theft or Vandalism – Unoccupied homes are more vulnerable
- Liability Claims – From guests, renters, or unexpected accidents
Frequently Asked Questions
Second & Vacation Home Insurance in Indiana
Is this different from my primary homeowners policy?
Yes. Second home insurance in Indiana is structured to reflect risks tied to seasonal use, part-time occupancy, and higher exposure to claims — like theft or water damage.
Do I need insurance even if the property is empty most of the year?
Absolutely. Properties that sit vacant face increased risks — and may be excluded under standard homeowners insurance. You need proper vacant home coverage or seasonal endorsements.
Can I rent my vacation home and still be covered?
Yes. But you may need additional rental liability or a landlord endorsement. Let us know how you use the property, and we’ll tailor coverage to fit.
What if the second home is in another Indiana county or state?
Hadley Insurance serves all of Indiana and partners with carriers licensed across multiple states. We can help cover your seasonal home in or outside Hendricks County.
Can I bundle second home insurance with my primary coverage?
Yes. Bundling with your auto or primary home insurance is common — and can help reduce premiums while simplifying management.
Protect More Than One Property — Protect Peace of Mind
Second Home Insurance in Hendricks County & Across Indiana
Hadley Insurance helps you extend coverage beyond your main home — with smart, flexible protection for all the places that matter to you.