Secondary and Seasonal Property Insurance
Owning a seasonal property or secondary home offers a wonderful escape, whether it’s a cozy cabin in the woods or a serene lakeside retreat. Ensuring these properties are properly protected is crucial, whether they’re used year-round or only seasonally. At KRGinsure, we provide tailored insurance solutions to safeguard your investment and give you peace of mind.
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Secondary & Seasonal Property Coverage Options
Burglary Protection
Protects against theft and burglary, ensuring your property and belongings are secure even when you’re not there.
Water Damage Coverage
Covers damages from water-related incidents such as flooding, leaks, or burst pipes.
Fire Coverage
Provides financial protection against damages caused by fire, ensuring your property can be repaired or rebuilt.
Liability Insurance
Covers legal expenses and medical costs if a visitor is injured on your property and decides to sue.
Small Watercraft Coverage
Offers protection for small boats and other watercraft stored or used at your seasonal property.
Rental Coverage
If you rent out your property, this coverage protects against loss of rental income and potential damages caused by tenants.
Sewer Back-Up
Covers damages caused by sewer or drain back-up incidents, protecting your property from costly repairs.
Outbuildings Coverage
Provides coverage for structures like sheds, garages, or guest houses located on your property.
Glass Insurance
Covers the replacement costs for broken windows or glass elements on your property.
Vandalism Protection
Protects against damages caused by vandalism, ensuring your property is restored without financial burden.
Watercraft and Recreational Vehicle Insurance
Offers coverage for recreational vehicles and larger watercraft used at your secondary property.
Why Insure Your Secondary or Seasonal Property?
In many cases, it’s possible to include your secondary or seasonal home on your primary home insurance policy, avoiding the need for a separate policy. However, how you use your property significantly affects the coverage you need. Ensuring you have the right protection for your property’s specific usage is essential to avoid potential financial risks.
Who Is This For?
KRGinsure’s secondary and seasonal property insurance is ideal for:
Vacation Homeowners
Looking to protect their getaway homes from various risks.
Rental Property Owners
Seeking coverage for properties rented out to tenants.
Seasonal Property Owners
Owning cabins, cottages, or lakeside homes used part-time.
Investors
Holding multiple properties needing consolidated coverage options.
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