Do you own a seasonal property or secondary home that is used year round or just seasonally?
It is possible to include that home on your primary home insurance instead of an entirely separate policy.
How you use your property affects the coverage you need. Are you covered properly?
Contact us. We want to provide a quote to ensure you are.
Insurance for Secondary and Seasonal Properties
Coverage Options
At a minimum, your lender will require that you carry insurance to protect your property against damage from theft, fire, flooding and windstorms. Liability insurance is also important, it covers you and your family in the event a visitor gets injured on your property and sues. For an extra layer of protection, a personal umbrella liability policy can offer you higher limits and protection.
Coverages available for a seasonal property can include:
- Burglary
- Water Damage
- Fire
- Liability
- Small Watercraft
- Rental Coverage
- Sewer Back Up
- Outbuildings
- Glass insurance
- Vandalism