Smart Protection for Your Home Away from Home

Second Home Insurance Coverage in Michigan

Whether it’s a lakeside retreat or a seasonal getaway, your second property deserves more than a standard policy. At Logan Insurance Group, we provide second home insurance in Okemos, MI and throughout Michigan—tailored to the unique risks of seasonal and vacation homes.

Get started with reliable coverage for your secondary residence.

What Michigan Second Home Insurance Covers

Second homes are often unoccupied or located in remote areas—both factors that increase risk. We’ll help you build a policy that matches the location, usage, and value of your vacation property.

Property Damage Coverage

Protects against fire, storms, vandalism, and other perils that could damage or destroy your secondary home.

Liability Protection

Covers legal and medical costs if a guest is injured at your vacation home—essential if you host family or friends.

Theft & Break-In Coverage

Second homes are often targeted due to infrequent occupancy—this coverage protects your belongings and your peace of mind.

Water Damage & Freezing Pipes

Covers water-related damage during colder months, including risks from frozen pipes and plumbing failures.

Wildfire & Storm Damage

Tailored protection for properties in wooded or lakefront areas where exposure to natural elements is higher.

Custom Coverage for Seasonal Use

Whether you visit monthly or only in the summer, we’ll structure a policy that fits how and when you use your second home.

Why Second Home Insurance Matters in Michigan

Owning a second home in Michigan is a dream—but also a responsibility. Standard homeowners policies often exclude or limit coverage for seasonal properties, leaving you exposed to risks when the property is vacant.

With Michigan second home insurance from Logan Insurance Group, you’ll have a plan that protects your investment year-round, even when you’re not there.