As summer travel plans take shape, many property owners across College Station, Bryan, and Aggieland are preparing their vacation homes and short-term rentals for seasonal use. Whether you’re hosting guests on Airbnb or retreating to your lake house for the weekend, it’s important to understand that your secondary property needs a different kind of insurance coverage than your primary residence.
Not All Homes Are Insured Equally
Many homeowners assume their standard homeowners insurance extends seamlessly to vacation properties. Unfortunately, that assumption can lead to costly gaps in coverage. Vacation homes are often unoccupied for long stretches, making them more susceptible to risks like vandalism, burglary, and undetected damage from weather events. Because of this, insurance companies typically categorize these properties as higher risk—and require specific policy types to account for that.
At Van Dyke Rankin Insurance, we specialize in crafting customized insurance solutions for second homes and rental properties. From seasonal cabins to income-generating Airbnb listings, we help you secure comprehensive protection based on how and when your property is used. Our FAQ page covers common inquiries you might have about our process.
Renting It Out? Your Coverage Must Reflect That
If you’re listing your property on platforms like Airbnb or VRBO, your insurance needs become even more specific. Traditional homeowners insurance may not cover incidents involving paying guests. That’s where short-term rental insurance comes in—it provides vital protection against liability claims, guest injuries, or property damage during stays.
We often advise property owners in Aggieland and surrounding areas to consider additional coverage options such as:
- Liability insurance for guest-related incidents
- Loss of income coverage if property damage renders the home unrentable
- Umbrella policies for extended protection beyond standard limits
Failing to disclose rental activity to your insurer—or not securing a proper rider or separate policy—could result in denied claims when you need support most.
Common Insurance Mistakes to Avoid
When it comes to insuring vacation properties, some of the most common (and costly) mistakes include:
- Assuming primary homeowners insurance extends to other properties
- Underestimating liability exposure from guest stays
- Overlooking vacancy clauses in traditional policies
- Neglecting to update policies for seasonal use patterns
At Van Dyke Rankin Insurance, our agents take a proactive approach to help our clients avoid these pitfalls. We review your current coverage, assess your property’s unique risks, and tailor policies to ensure you’re not left exposed during peak usage times like summer. For more information on different types of insurance visit our comprehensive guide!
A Smarter Way to Insure Your Second Home
Whether your property is a peaceful retreat for your family or a bustling summer rental, the right insurance can make all the difference in safeguarding your investment. Our experienced team is here to guide you through every step—from policy comparison to claims support—so you can focus on what matters most: enjoying your home away from home.
Request a quote today!
Contact Van Dyke Rankin Insurance today to ensure your vacation property has the coverage it deserves this summer and beyond.
About Van Dyke Rankin & Company
Van Dyke Rankin & Company is a trusted commercial real estate firm serving Bryan, College Station, and the greater Brazos Valley region. With decades of experience and deep roots in the local community, our team specializes in commercial brokerage, property management, and investment real estate. Our client-first approach and commitment to integrity have made us a leader in Southeast Central Texas commercial real estate. Learn more at vandykerankin.com.
