08/28/2026
Own a second home in Florida? Whether it's a beachfront condo, a lake house, or a part-time getaway, an empty property comes with its own set of risks. Extended vacancies can mean a higher chance of theft, maintenance surprises, and, of course, Florida's hurricanes and flooding don't take a break just because you're not there full time.
That's why second home coverage looks a little different from your primary residence policy. At Florida Heritage Insurance, we help you build protection around structural damage, personal property, liability, and even loss-of-use costs if the unexpected happens. Options like flood coverage, valuable items protection, and rental coverage can be added based on how you use the property.
Protecting your home away from home doesn't have to be complicated. Let's talk through your options and find coverage that fits. Contact us for a policy review.