Shoemaker's Insurance

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Vacation Home Insurance in Pennsylvania & Beyond

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Shoemaker’s Insurance | Insurance in Pennsylvania

Owning a second home or vacation retreat is a dream come true — but it’s also a major investment that deserves the right protection. At Shoemaker’s Insurance, we help homeowners across Pennsylvania safeguard their seasonal, rental, or vacation properties with flexible, reliable coverage that fits their lifestyle. 

Whether you visit your lake house every weekend or rent out your mountain cabin a few times a year, our customized Vacation Home Insurance and Second Home Insurance options can give you peace of mind all year long.

Vacation Home Insurance Pennsylvania

What Makes Vacation Home Insurance Different From Regular Home Insurance?

Your vacation or second home isn’t occupied as often as your primary residence, which can create unique risks. For instance, undetected water leaks, storm damage, or break-ins may go unnoticed for longer periods — and traditional homeowners insurance may not fully cover those scenarios.

That’s where Vacation Home Insurance comes in. It’s designed specifically for properties that aren’t your main home. A well-structured policy may include property coverage for the structure itself, liability protection in case someone is injured on your property, and personal property coverage for furnishings or personal items you keep there.

At Shoemaker’s Insurance, we understand that every second home is different. We’ll work with you to build a plan that reflects your property’s location, how often it’s used, and how much coverage you need — all while keeping your budget in mind.

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Why Do You Need Second Home Insurance in Pennsylvania?

Pennsylvania’s diverse landscape offers everything from serene Pocono cabins to quiet countryside cottages — but every region faces its own risks. Winter weather can cause frozen pipes, while wooded areas may bring the threat of fallen trees or storm damage. Additionally, second homes often sit vacant for weeks or months, leaving them more vulnerable to theft or vandalism.

Second Home Insurance in Pennsylvania helps you stay protected against these unpredictable situations. Your policy may include dwelling protection, liability coverage, loss of use, and optional add-ons like flood or sewer backup coverage (especially important for low-lying or rural areas).

Our experienced agents can help you evaluate your home’s risks and design coverage that fits your unique needs — because protecting your investment shouldn’t be complicated.

  • If you rent out your vacation property to guests — even occasionally — you’ll need insurance that goes beyond standard coverage. Most homeowners insurance policies exclude losses that occur while the home is being rented, meaning a guest’s accident or property damage might not be covered.

    A tailored Vacation Home Insurance policy may include rental income protection, short-term rental liability, and damage coverage for guest-related incidents. These options can help replace lost income if your property becomes temporarily uninhabitable due to a covered event, and protect you financially if a renter gets injured on your property.

    Shoemaker’s Insurance partners with leading carriers to offer flexible solutions that work with your rental habits — whether you list your home seasonally or use platforms like Airbnb or VRBO.

  • Just like your primary homeowners policy, several factors influence the cost of Second Home Insurance. The location, age, construction type, and security features of your property all play a role. For Pennsylvania homeowners, the distance from a fire department, proximity to bodies of water, and local weather patterns can also affect premiums.

    Your insurance rate may also depend on how you use your property. A home that’s unoccupied for most of the year, for instance, might cost more to insure than one you visit frequently. Adding protective features like monitored alarms, cameras, or automatic water shutoff valves can often help lower costs.

    At Shoemaker’s Insurance, we’ll walk you through these variables, compare multiple carriers, and identify discounts that help you save — without compromising coverage.

  • We know that insurance can feel overwhelming, especially when you’re dealing with a property that’s not your primary residence. That’s why Shoemaker’s Insurance focuses on personal guidance, clear explanations, and local expertise.

    Our agents live and work in Pennsylvania — we understand the seasonal challenges and the community values that matter most to our clients. We’ll help you determine what your second home really needs, clarify where your homeowners insurance ends, and make sure your new policy closes the gaps.

    Whether your property sits near Lake Wallenpaupack, tucked into Lancaster County farmland, or along the Delaware River, we’ll help protect it with thoughtful, flexible coverage built just for you.

  • Every vacation home is unique, and the best policies reflect that. Beyond standard property and liability coverage, you may want to consider optional add-ons to enhance your protection:

    • Flood Insurance – Not typically included in standard policies, but crucial for properties near lakes, rivers, or flood-prone zones.
    • Sewer or Drain Backup – Helps cover cleanup and repairs if wastewater backs up into your home.
    • Wildfire or Windstorm Coverage – May apply to homes in wooded or elevated regions.
    • Extended Replacement Cost – Covers rebuilding costs that exceed your home’s insured value.
    • Equipment Breakdown Coverage – Protects against mechanical or electrical failures of major systems like HVAC units or water heaters.

     

    Our team at Shoemaker’s Insurance will help you decide which endorsements make the most sense based on your home’s location, age, and use.

  • When you partner with Shoemaker’s Insurance, you’re not just getting a policy — you’re getting a team that genuinely cares about protecting your home and your peace of mind. We’ve been helping Pennsylvania homeowners for years with personalized service, local insight, and access to top-rated carriers.

    We take the time to understand how you use your second home, discuss potential coverage gaps, and find a policy that balances affordability with quality protection. From the moment you request a quote to the day you file a claim, our agents are here to make the process smooth, transparent, and stress-free.

    Your second home deserves the same care and attention as your primary one — and with Shoemaker’s Insurance, you can rest easy knowing it’s protected.

Vacation Home Insurance Pennsylvania

Ready to Protect Your Getaway?

Whether it’s a lakeside cottage, mountain retreat, or cozy family cabin, your vacation home represents more than just a property — it’s where memories are made. Let Shoemaker’s Insurance help you protect that special place with coverage that fits your needs and lifestyle.

Contact us today for a personalized quote on Vacation Home Insurance or Second Home Insurance in Pennsylvania. We’ll help you enjoy your getaway — with confidence that it’s covered year-round.

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Headquarters

165 E Washington
St Chambersburg PA 17201
717-263-6360

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