Secondary & Vacation Homes in California - Based in Rocklin & San Mateo, Serving all of those gorgeous California Second Home Destinations.
Protect your second home, vacation retreat, or seasonal rental with tailored insurance designed for California’s unique risks — from wildfire-prone foothills to coastal weather zones.
At
Schenone Insurance Agency, we help homeowners across Northern California secure specialized coverage for secondary residences. Whether it's a Lake Tahoe cabin, a coastal condo, or a weekend rental in Wine Country, our brokers match you with dependable protection from top-rated carriers.
Why Secondary & Vacation Home Insurance Matters in California
Second homes face increased risk — from longer vacancy periods to exposure to wildfire, storm damage, or theft. Most standard homeowners policies don’t provide full protection for properties that aren’t your primary residence.
We help protect your:
- Home structure from fire, theft, wind, or vandalism
- Personal belongings and furnishings inside the home
- Rental income (if you lease your property)
- Liability exposure if someone is injured on-site
- Special risks like wildfire, flood, or seasonal damage
What Does Secondary / Vacation Home Insurance Cover?
Property Protection
Covers the structure of your second home against fire, theft, weather, and more.
Personal Property
Protects furniture, electronics, appliances, and other belongings.
Liability Coverage
Pays for legal or medical expenses if someone is injured on your property.
Loss of Use / Additional Living Expenses
Covers temporary lodging and related expenses if your vacation home becomes uninhabitable after a covered event.
Rental Property Coverage (if applicable)
Includes liability and income loss protection if your property is used as a vacation rental.
Why Choose Schenone Insurance?
- Based in Rocklin & San Mateo — serving all of Northern California
- Over 40 years helping Californians protect their properties
- Independent agency comparing multiple top-rated carriers
- Expertise in wildfire zones, coastal exposure, and vacation rentals
- Real brokers, real advice — no call centers
Who Needs Secondary & Vacation Home Insurance?
Our clients include:
- Homeowners with a second residence, cabin, or beach house
- Landlords with short-term vacation rental properties (e.g., Airbnb)
- Families with inherited or seasonal homes
- Anyone whose secondary home isn’t covered under their primary policy
Secondary / Vacation Home Insurance FAQs
Do I need a separate policy for my vacation home?
Yes — your main home insurance won’t fully protect other properties you own.
Can I insure rental income?
Yes — we can include protection for loss of rental income and add landlord liability coverage.
Does vacancy affect coverage or cost?
Yes — properties that are unoccupied for long periods may require special underwriting. We help you find the right policy.
Do you offer wildfire or coastal risk coverage?
Absolutely. We work with specialty carriers and can layer in wildfire, flood, windstorm, or earthquake endorsements based on location.
Do you serve areas outside Rocklin and San Mateo?
Yes — we serve clients across Northern California, including San Francisco, Oakland, Palo Alto, and beyond.
Let's Talk insurance!
Protect Your Second Home with Schenone Insurance
Whether you're insuring a mountain retreat, weekend rental, or seasonal home, Schenone Insurance helps Californians find the right secondary property coverage — with expert guidance and responsive service.