Is Your Vacation Rental Home Protected?

Insuring a vacation rental home requires special considerations compared to insuring your primary residence. Find out how vacation rental home insurance protects you.

Our Services​

The insurance you have on your primary residence doesn’t cover short-term or vacation home rental properties. Higher risk profiles make vacation rental home insurance more expensive, though there are many things you can do to bring the costs down. We can help protect your vacation rental home with the best cost and coverage options for your specific situation.

front view of mountain cabin

Short-Term Rental Insurance​

Your short-term rental is a financial asset, whether you plan to spend time there or use it as an investment property. We help you protect your investment.

two people in front of cabin

Rental Insurance

Renting a second home to vacationers requires specific insurance coverage. We can help you get the right coverage today.

Landlord Insurance​​

Do you want to rent your second home long-term? You need landlord insurance. We can show you how to protect your interests.

About Us​

Clyde Ownby founded Ownby Insurance Service, Inc. in 1952.​

Today, the company is run by Clyde’s son Mike and grandson Kevin. We believe in honest and fair service and have always strived to put our client’s needs first for over 70 years.

Our agency specializes in providing insurance coverage for short-term and vacation home rentals. This requires additional expertise beyond what is necessary to insure a primary residence. If you want vacation rental home insurance with a personal touch, you will find it at Ownby Insurance Service.

Solving problems since 1952​

Three Easy Steps to Insuring Your Vacation Rental Home:


Gather information about your vacation rental home, including any outbuildings, planned furnishings, and extras like a pool or hot tub.


Get a quote from an independent insurance agent, who can take your information and evaluate your insurance policy options.


Get a policy that protects your vacation rental home, whether you plan to offer short-term rentals or longer-term leases.

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Our average customer
rating is 4.8 / 5 based on 25 reviews

Testimonials​