Protect your Illinois vacation property, lake home, or seasonal retreat. Brawner Insurance helps Illinois second-home owners across all 102 counties find dedicated coverage for properties that aren't your primary residence.
Illinois offers lake properties, river cabins along the Mississippi and Illinois Rivers, and rural retreats across the Prairie State. Many Illinois families own a second home for weekends and vacations. But your primary homeowners policy won't cover a second property.
Secondary home insurance covers the unique risks of properties you don't occupy full-time. Brawner Insurance serves Illinois from our offices just across the Mississippi River and works with multiple carriers to find you competitive coverage for your Illinois vacation property.

From river cabins near Quincy to lake retreats in southern Illinois, Brawner compares multiple carriers to find the right secondary home policy for your Illinois property.
Get a Illinois Quote →Brawner Insurance serves Illinois property owners from just across the river. We shop multiple carriers to protect your Illinois second home.
Get a Free IL Quote →660-665-1687 · 660-754-1000
Every Illinois vacation property is different. Here are the coverage options we help second-home owners put in place.
Protects the physical structure of your Illinois vacation home — roof, walls, foundation, and built-in features. Replacement cost or ACV options.
Covers furniture, electronics, appliances, and personal belongings you keep at your Illinois secondary home.
Covers bodily injury and property damage claims from guests or visitors at your Illinois vacation property.
Covers detached garages, docks, boat lifts, sheds, and fences on your Illinois secondary home property.
If your Illinois vacation home becomes uninhabitable from a covered loss, this helps cover temporary housing and related costs.
We compare carriers to find the right coverage for your Illinois vacation property.
Talk to an Agent →A second home is a major investment. Brawner agents are ready to build coverage for your Illinois property year-round.
Talk to an Agent →660-665-1687 · 660-754-1000

Secondary home insurance covers Illinois properties you own but don't live in full-time — river cabins, lake homes, and seasonal retreats.
Primary homeowners insurance covers only your main residence and will NOT extend to a second Illinois property.
Illinois second-home owners need a separate policy. Brawner helps you navigate coverage options and Illinois-specific requirements.
Learn about Home Insurance →Secondary home insurance in Illinois covers the dwelling, other structures, personal property, liability, and additional living expenses if the home becomes uninhabitable.
No. Your Illinois homeowners insurance covers only your primary residence. A second property requires its own dedicated policy.
Costs depend on property value, Illinois location, flood zone status, and occupancy frequency. We shop multiple carriers for Illinois second-home owners.
Yes. Illinois waterfront properties can include dock and boat coverage through endorsements or companion policies.
Yes. Part-time rental of your Illinois vacation home may need additional coverage or a different policy type.
Illinois winters can cause frozen pipe damage in vacant homes. Carriers may require winterization or monitoring for long-vacant Illinois secondary properties.
Let us review your coverage and make sure your Illinois river cabin or lake retreat is properly protected.
Get a Free Quote →660-665-1687 · 660-754-1000