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?
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Dwelling Coverage
Dwelling coverage for damage from fire, storms, or other covered events
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Personal Property
Personal property coverage for furniture, appliances, and valuables inside
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Liability Coverage
Liability protection if someone is injured on your property
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Loss of Rent
Loss of rental income if you rent your vacation home and it becomes uninhabitable due to a covered loss
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Other Structures
Additional structures coverage for docks, boathouses, sheds, or guest cabins
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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.
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.
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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.
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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.
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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
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Some policies include coverage for docks and small watercraft, but larger boats may need separate insurance. We can bundle it for you.
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Usually not. These are separate policies or endorsements. We’ll help you decide if they’re necessary for your location.
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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
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.