Vacation Home Insurance in Massachusetts

When you're looking for Vacation Home Insurance in Massachusetts or New Hampshire, it's important to have options so you can ensure you get the right plan to meet your needs at the best possible rate.

Find the coverage you need

Owning a second home is one of life’s great pleasures — a place to unwind, make memories, and enjoy Massachusetts’ scenic coastlines, cozy mountains, or quiet lakes. But protecting that property when you’re not there takes more than a standard homeowners policy. That’s where Fitts Insurance comes in.

With decades of experience serving families across New England, we help you find flexible, affordable coverage for vacation homes, seasonal cottages, and secondary residences. Our team understands the unique risks that come with owning a property you don’t occupy year-round — and we tailor your policy to protect your investment in every season.

Vacation Home Insurance Massachusetts

What Makes Vacation Home Insurance Different from Regular Homeowners Coverage?

Your primary homeowners insurance policy is built around the idea that you’re living in your home full-time. A vacation or second home, however, often sits vacant for weeks or months at a time — which changes the level of risk insurers must consider.

A vacation home insurance policy may include protection against fire, theft, storm damage, and liability, just like a primary home policy, but with additional considerations. For example, vacant homes can be more susceptible to water damage or break-ins. You might also rent your property out occasionally, which brings a new set of coverage needs.

At Fitts Insurance, we take time to understand how and when you use your property so we can recommend options that fill every gap and provide peace of mind year-round.

Why Do Massachusetts Vacation Homes Need Specialized Insurance?

From Cape Cod to the Berkshires, Massachusetts vacation homes face a variety of weather patterns and environmental risks — from coastal storms and flooding to heavy winter snow and ice. Properties in these beautiful, high-value areas can be vulnerable to damage when left unattended.

That’s why it’s important to have insurance designed specifically for your Massachusetts second home. Your policy may include coverage for:

  • Damage from severe weather, fallen trees, or frozen pipes
  • Liability if a guest is injured while visiting your property
  • Coverage for detached structures like boathouses or garages
  • Replacement for personal property stored at the home

Fitts Insurance works with top carriers familiar with Massachusetts coastal and inland exposures, so you get the right balance of protection and affordability — no matter where your getaway is located.

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  • How Does Second Home Insurance Protect My Property and Peace of Mind?

    A second home insurance policy helps safeguard both your financial investment and your personal comfort. Beyond repairing or rebuilding after a covered loss, it also shields you from unexpected liabilities.

    Imagine a guest slipping on an icy walkway during a holiday visit, or a burst pipe flooding your kitchen while you’re away. Without proper coverage, you could face thousands in out-of-pocket costs. With a well-structured policy, however, you can repair the damage, replace your belongings, and protect yourself from lawsuits or claims.

    At Fitts Insurance, we help you find a policy that may include dwelling coverage, liability protection, and loss-of-use benefits — so your time at your second home remains stress-free and restorative.

  • What Coverage Options May Be Included in a Vacation Home Policy?

    Every property — and homeowner — is unique. That’s why vacation home insurance from Fitts Insurance can be as simple or comprehensive as you need. Typical coverage may include:

    • Dwelling coverage to repair or rebuild your structure after a covered loss
    • Personal property coverage for furniture, electronics, and belongings
    • Liability protection if someone is injured on your property
    • Loss of use coverage if damage makes your home temporarily unlivable
    • Optional add-ons like flood or earthquake insurance

     

    We’ll walk you through each option and help you balance cost with coverage. Whether your second home is a small lake cottage or a luxury beachfront property, Fitts Insurance helps ensure you have the right protection for how you actually use it.

  • Can I Combine My Primary and Vacation Home Insurance Policies?

    In many cases, yes — bundling your second home insurance with your primary homeowners or auto insurance policy can lead to savings and simplified management. As an independent agency, Fitts Insurance has access to multiple carriers, allowing us to find discounts and bundled solutions that fit your lifestyle.

    Combining policies may also streamline billing, claims handling, and coverage coordination. If you have unique features, such as short-term rentals or seasonal caretakers, we can ensure those are covered under the right endorsements.

    Our goal is to make managing both your homes easier, while maximizing your protection and minimizing your costs.

  • How Does Fitts Insurance Customize Coverage for Massachusetts Homeowners?

    No two properties in Massachusetts are exactly alike — and neither are their insurance needs. A Cape Cod beach house may need windstorm or flood protection, while a mountain cabin in the Berkshires may require additional coverage for snow load or remote access.

    Fitts Insurance takes a consultative approach: we evaluate your property’s location, how often you occupy it, and how it’s used. Then, we help design a plan that aligns with both your risk profile and your budget.

    Because we’re a local Massachusetts agency, we understand the state’s insurance landscape, from coastal regulations to inland underwriting standards. That insight allows us to craft smarter, more personalized coverage that national online carriers often overlook.

  • What Makes Fitts Insurance the Right Choice for Your Second Home?

    Fitts Insurance isn’t just another policy provider — we’re a trusted partner. As a family-owned, independent agency serving Massachusetts and beyond, we pride ourselves on delivering clear advice, responsive service, and ongoing support.

    When you work with us, you get:

    • Access to top national and regional insurance carriers
    • One-on-one guidance from experienced local agents
    • Annual reviews to ensure your policy evolves with your needs
    • Fast, friendly claims assistance whenever life takes an unexpected turn

     

    Your vacation home should be a source of joy, not stress. With Fitts Insurance, you can relax knowing your second home is protected by people who care about your peace of mind as much as you do.

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Ready to Protect Your Massachusetts Vacation Home?

Whether your property sits along the coast, in the woods, or by the lake, Fitts Insurance is here to help you secure dependable, flexible protection. Let’s build a policy that fits the way you use your home — and keeps your getaway worry-free for years to come.

Contact Fitts Insurance today for a no-pressure consultation or quote on Vacation Home Insurance or Second Home Insurance in Massachusetts.

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