Two Homes. One Trusted Agent.
Vacation homes, cabins, lake houses, and rental properties have unique insurance needs. We help owners across Missouri, Iowa, Kansas, and Illinois protect their secondary properties with the right coverage from 50+ carriers.
Why Secondary Homes Need Different Coverage
Your primary home policy will not cover a second property. Secondary homes face unique risks — extended vacancy, seasonal weather damage, guest injuries, and theft when no one's around. Standard policies leave dangerous gaps when these risks come up.
As an independent agency, Brawner compares specialty carriers that understand vacation homes, cabins, and rental properties. We build policies that match how you actually use your secondary property — whether it's a weekend lake house or a full-time Airbnb.
Whether you own a vacation cabin, lake house, mountain retreat, or income rental — we find coverage that fits your property, your usage, and your budget.
Get a Secondary Home Quote →Ready to protect your second home?
We'll review your property, identify coverage gaps, and build the right policy — at no cost to you.
Get a Free Quote →660-665-1687 · 660-754-1000
Secondary Home Coverage Through Brawner
A complete secondary home policy addresses unique risks like vacancy and rental income. Here's what we help property owners put in place.
Dwelling Coverage
Protects the structure of your secondary home — walls, roof, foundation — from fire, wind, hail, and other covered perils.
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Personal Property
Covers furniture, electronics, and belongings inside your vacation home, cabin, or rental property — whether occupied or not.
Learn More →Vacancy Coverage
Standard policies often limit coverage on unoccupied homes. We add vacancy endorsements to keep your secondary home protected year-round.
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Liability Protection
Covers legal and medical costs if a guest is injured at your secondary property — essential for vacation homes and rentals.
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Loss of Rental Income
If you rent out your secondary home, this covers lost rental income when the property is uninhabitable after a covered loss.
Learn More →Build your policy.
We tailor coverage to your bike, riding style, and budget — sport bikes to touring cruisers.
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