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Protection against price increases
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No call center
Vacation Home & Second Home Insurance
A lake cabin at the Ozarks, a river house near Hermann or a getaway in another state is a big investment, and it sits empty much of the year. Second homes face different risks than your primary residence, such as unnoticed water leaks, break-ins and storm damage, so they need a policy written for how they're used.
As an independent agency, we compare coverage from multiple insurance companies instead of offering just one company's rates, so you get the right protection at a competitive price.
What Second Home Insurance Can Cover
• The dwelling and other structures such as docks, decks, garages and sheds
• Furniture and belongings kept at the property
• Personal liability if a guest is injured
• Theft and vandalism while the home is unoccupied
• Water damage from sudden pipe bursts
• Loss of use if the home can't be used after a covered loss
Seasonal, Unoccupied and Rented Homes
How often you're there matters. Some policies limit coverage for vandalism or freeze damage when a home is vacant or unoccupied for long stretches. If you rent the home out, even occasionally, you may need a rental or short-term rental policy instead. Tell us how you use the property and we'll match the right policy.
Renting it on Airbnb or VRBO? See our short-term rental insurance page.
Ways to Protect and Save
• Bundle with your primary home and auto policies
• Install monitored alarms, water leak sensors and low-temperature alerts
• Shut off water or keep heat on when the home is empty in winter
• Add flood coverage for lake and river properties
• Extend your umbrella policy to cover the second home
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves second home owners throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
Whether your getaway is around the corner or across the country, we'll help you protect it.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020