Nikki Farag Agency
Farmers Insurance
Nikki Farag Agency
Farmers Insurance
Owning a second home in California — whether it’s a beach house in Malibu, a mountain cabin in Big Bear, or a rental retreat in Palm Springs — is a dream for many. But with that dream comes additional risk and responsibility. Vacation homes are often unoccupied for extended periods, making them more vulnerable to damage, theft, or liability issues.
At Nikki Farag Insurance Agency, we offer specialized vacation home insurance coverage in Los Angeles through Farmers that provide peace of mind while you’re away.
A vacation home policy offers many of the same protections as your primary homeowners policy, with adjustments for its unique use:
Dwelling Coverage: Covers repairs or rebuilding after damage from fire, wind, hail, or other covered perils.
Personal Property: Protects the belongings stored at your second home — like furniture, appliances, or recreational equipment.
Liability Coverage: Helps pay legal or medical costs if someone is injured on the property.
Loss of Use: Covers temporary lodging and related expenses if your vacation home becomes uninhabitable after a covered event.
Optional Coverage: Add protection for short-term rentals, detached structures, or increased risk areas (like wildfire or flood zones).
You need vacation home insurance if:
You own a second residence that isn’t your primary home
Your property is used seasonally or only part of the year
You sometimes rent out the home to guests (short- or long-term)
You store valuable items at your second property
You want to protect your investment while you’re away
Even if you already have homeowners insurance on your primary residence, you’ll need a separate policy for your vacation property. Vacation homes carry unique risks due to:
Periods of vacancy
Remote locations with limited emergency access
Varying weather conditions (like wildfire-prone hills or coastal storms)
We Are Your local Farmers Insurance Agent Serving all of Los Angeles and the surrounding areas.
Owning a vacation home is a wonderful way to enjoy time away—but it also comes with its own set of insurance needs. Whether your property is used seasonally, rented out part-time, or sits vacant for extended periods, I can help you find the right coverage to protect it year-round. From structural protection to liability and guest-related risks, I’ll walk you through your options and tailor a policy that fits your unique situation. Let’s make sure your getaway stays worry-free.
Nikki Farag
Farmers Insurance Agency Owner
License 4247364
At Nikki Farag Insurance Agency, our clients are at the heart of everything we do. From personalized guidance to reliable coverage, we’re proud to earn the trust of families and business owners across Greater Los Angeles. Here’s what some of our customers have shared about their experience working with us.
Reviews
Nikki and her team are absolutely fantastic. I’ve been with them for both my auto and home insurance for years, and they’ve always been incredibly responsive and helpful. Whether I need an extra copy of an insurance card, or just have a quick question, they’re always patient and easy to reach. I can’t recommend Nikki enough!
Reviews
I was referred to Nikki by a coworker who’s one of her clients, and I’m so glad I made the switch. I moved all of my policies over from State Farm because I really value the personalized service Nikki and her team provide. It’s refreshing to work with someone who takes the time to explain everything and is genuinely invested in helping you. I also love that she’s local—there’s a real sense of connection and trust.
Reviews
Nikki has been our insurance agent for just about a year now and we love the personal service we get with her. We have our home, autos and our landlord policies all with her through Farmers and I would highly recommend her to anyone who is looking for insurance!
Reviews
Amazing service! Got my five work trucks covered and got me a policy for my home insurance. Thank you Nikki you are a pleasure to work with 10/10 would recommend to anyone!!!
No — vacation home insurance is a separate policy with terms tailored to a home that is not your primary residence. Because vacation homes are often vacant for long periods, they carry more risk and need coverage that reflects those risks, including vandalism, theft, and weather-related events.
Yes. Your primary homeowners policy typically does not extend full coverage to additional properties. You’ll need a separate vacation home policy to ensure proper protection against property damage, liability, and loss of use at your second residence.
Yes — but you need to disclose rental activity. If you rent your property through Airbnb, VRBO, or other platforms, you may need short-term rental insurance or a landlord endorsement. We’ll help make sure you’re covered whether you rent occasionally or year-round.
Yes. Most policies include personal liability coverage, which protects you if a guest is injured on your property or if you’re held responsible for property damage. This is critical for homes with pools, hot tubs, or other potential hazards.
Yes! Bundling your vacation home insurance with your primary residence, auto, or umbrella policy through Farmers® can save you money and simplify policy management. It also ensures you’re not overpaying for overlapping coverage.