Vacation & Second Home Insurance
Second homes and seasonal properties in the Telluride area face unique risks: extended vacancy periods, mountain weather extremes, wildfire exposure, and the logistical challenges of managing a property from out of state. We specialize in coverage designed for non-primary residences.
Telluride's status as one of Colorado's premier resort destinations means a significant portion of its housing stock is owned by part-time residents — families from Denver, Texas, California, and beyond who spend 4–12 weeks per year in the mountains. Insuring a second home properly requires understanding that these properties face different risks than primary residences.
Extended vacancy is the central challenge. Standard homeowners policies often have vacancy clauses that void or limit coverage when a home is unoccupied for 30–60 consecutive days — a common scenario for seasonal mountain properties. Mountain-specific risks including burst pipes from deep freeze events, roof damage from heavy snow loads, wildfire exposure, and wildlife intrusion require coverage that understands alpine environments.
Remote Property Management: Many Telluride second-home owners rely on property management companies, neighbors, or periodic check-ins to monitor their properties. We can advise on coverage structures that account for how your property is managed — including contingent liability for property managers and coverage for hired caretakers.
What's Covered
- Second home dwelling at replacement cost
- Vacancy clause waivers or extended vacancy coverage
- Freeze and pipe burst protection
- Snow load and roof collapse coverage
- Wildfire and ember cast coverage
- Personal property and furnishings
- Detached structures and outbuildings
- Loss of use if property becomes uninhabitable
- Personal liability at the vacation property
- Caretaker and property manager liability
What's Covered
Frequently Asked Questions
How long can my Telluride home be vacant before my policy has problems?
Standard policies typically have vacancy clauses that limit coverage — sometimes significantly — after 30–60 days of unoccupancy. Given that many Telluride second-home owners are present less than this annually, a vacation home policy that waives vacancy restrictions is essential.
My home is managed by a local property management company. Do I need additional coverage?
Your primary homeowners policy covers your own liability. The property management company should carry their own errors & omissions insurance. We can review your management agreement and advise on any coverage gaps between your policy and theirs.
We're thinking about occasionally renting our second home when we're not using it. Does that change the coverage?
Yes — transitioning from a purely personal-use second home to one that's occasionally rented creates additional exposure that requires a different coverage structure. See our STR Insurance page for details on how we handle properties with mixed use.
Get Covered Today
Our mountain insurance specialists can review your current coverage, identify gaps, and bind a policy that actually protects your investment. No automated underwriting — real agents who know Telluride.