Vacation Home Insurance in Tennessee

Because your getaway should always feel like a getaway

Owning a vacation home in Tennessee, whether it’s a cabin in the Smokies or a lake house on Norris Lake, is about creating memories with the people you love. At Holt Insurance Agency, we believe protecting that space should be as stress-free as the weekends you spend there. Since 1946, Tennessee families have trusted us to safeguard their most valued properties with coverage built around relationships, not just policies.

What Vacation Home Insurance Covers?

  • Dwelling Coverage

    Dwelling coverage for damage from fire, storms, or other covered events

  • Personal Property

    Personal property coverage for furniture, appliances, and valuables inside

  • Liability Coverage

    Liability protection if someone is injured on your property

  • Loss of Rent

    Loss of rental income if you rent your vacation home and it becomes uninhabitable due to a covered loss

  • Other Structures

    Additional structures coverage for docks, boathouses, sheds, or guest cabins

  • Specialized Coverage

    Special risk coverage for watercraft stored on-site or unique features like hot tubs and decks

Why Choose Holt Insurance for Lake House

Generations of Trust in Tennessee

Serving Tennessee families since 1946, our multi-generational legacy means stability, reliability, and deep local knowledge from Downtown Nashville to the countryside of Leiper’s Fork.

People, Not Policies

We build relationships, not transactions. You’ll talk to a real person who knows your name, your family, and what matters to your lifestyle.

Comprehensive Protection Made Simple

Bundle vacation house coverage with your home, auto, or umbrella for easy billing, unified service, and potential discounts! Ideal for families with young drivers or multiple vehicles.

Freedom to Focus on Fun

Spend time relaxing; not worrying. Our tailored coverage and responsive support keep your mind on what matters, not paperwork.

How Vacation Home Insurance Works: A Quick Overview

1. Reach out for a quote

We assess your property, usage, and modifications.

2. Review personalized options

Choose coverage levels, deductibles, and add-ons that fit your needs.

3. Ride with peace of mind

Enjoy confident coverage; claims handled by caring pros who know you.

  • Yes. Your primary homeowners insurance typically won’t cover a second property. Vacation home insurance addresses the unique risks of a property you don’t live in full-time.

  • It can be, depending on location, property type, and how often it’s unoccupied. We work to find the most competitive rate for the coverage you need.

  • Yes, but you’ll need the right type of policy. We can recommend coverage that protects both your property and your rental income.

FAQs About Vacation Home Insurance

  • Some policies include coverage for docks and small watercraft, but larger boats may need separate insurance. We can bundle it for you.

  • Usually not. These are separate policies or endorsements. We’ll help you decide if they’re necessary for your location.

  • We can still help. Holt Insurance works with carriers in multiple states, so your second home can be covered wherever it’s located.

Bundle & Save: Get a Quote Today from Holt Insurance Agency

Brick building with "Holt Insurance Agency" sign, surrounded by trees and shrubs.

Did you know you can often save hundreds of dollars by bundling your policies? Many insurers offer multi-policy discounts when you combine:

At Holt Insurance Agency, we specialize in finding affordable solutions that don’t sacrifice coverage. Let’s explore how much you could save with a bundled quote tailored to Tennessee residents.

👉 Request Your Free Quote from Holt Insurance Agency

Protect your adventures and your wallet!

Protect Your Peace of Mind

You didn’t buy your vacation home to worry about it. Let us take care of the what-ifs so you can focus on making memories. Request your free, no-obligation quote today and see how easy it can be to protect your Tennessee retreat.