Protect Your Second Home Like Your First.
Whether it’s a mountain cabin, lake retreat, or city condo, your second home deserves the same level of protection as your primary residence. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock and Colorado property owners secure specialized vacation home insurance built for how you actually use your property.
Vacation home insurance (also called secondary residence insurance) provides coverage for a home that isn’t your primary residence — whether it’s used for weekend getaways, seasonal stays, or occasional short-term rentals.
Because these properties are often unoccupied or rented part-time, they face different risks and underwriting requirements than your main home. RMIA helps you structure a policy that addresses those differences while keeping coverage seamless across all your properties.
Owning a second home in Castle Rock, the Front Range, or the mountain towns is a privilege — but it also comes with unique exposures:
Unattended Property Risks: Vacant homes face higher chances of undetected damage from leaks, theft, or weather.
Wildfire Exposure: Many vacation homes sit near forested areas or open space, increasing wildfire risk.
Weather Variability: Hail, wind, and snow loads can affect roofs, decks, and structures.
Short-Term Rentals: Occasional Airbnb or VRBO use requires specific policy endorsements for liability.
Without the right coverage, even a minor incident can become a major expense.
A well-designed secondary home policy may include:
Dwelling Protection: Covers physical damage from fire, hail, wind, vandalism, or theft.
Personal Property Coverage: Protects furniture, electronics, and belongings inside the home.
Liability Protection: Covers injuries to guests or others on your property.
Loss of Use: Pays for temporary housing or rental income loss if your vacation home becomes uninhabitable.
Other Structures: Protects detached garages, guest houses, or sheds.
Optional Add-ons:
Short-term rental coverage
Wildfire and hail endorsements
Water/sewer backup
Equipment breakdown
Identity theft and cyber fraud
Castle Rock, Larkspur, Monument, and nearby foothill communities offer beautiful scenery — and elevated risks. RMIA has deep knowledge of local wildfire zones, hail frequency, and property valuation trends, ensuring your policy is realistic and proactive.
We also coordinate with your primary homeowners policy to avoid duplicate coverage and maintain consistent liability protection across all properties.
Independent Agency Advantage: We shop multiple carriers to find the best blend of protection, flexibility, and price.
Colorado-Specific Expertise: We understand seasonal homes in Castle Rock, the Front Range, and mountain regions.
Custom Coverage for Unique Uses: Whether personal, family-shared, or part-time rental, we tailor policies accordingly.
Long-Term Partnership: We handle your renewals, updates, and claims with personal care — not an 800-number.
It’s not legally required, but your mortgage lender will almost always require it. Even without a loan, insurance is critical to protect your investment and liability exposure.
Typically, no. Standard homeowners insurance is for your primary residence only. A separate policy is needed for secondary or seasonal homes to ensure valid coverage.
Only if your policy includes a rental endorsement. RMIA can include proper liability and income loss coverage for occasional rentals.
It functions similarly to your main home policy but may include higher deductibles or specific mitigation requirements. We help you meet those standards for eligibility and pricing.
Yes! Bundling both homes (and autos) under one carrier often reduces premiums and simplifies billing. RMIA will compare options across multiple companies.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Your second home deserves first-class protection.
Let RMIA customize a policy that keeps your retreat safe — whether you’re there every weekend or only a few times a year.
