Seasonal homes are, by nature, uniquely vulnerable. Situated far from major centres and remaining unoccupied for extended periods of time, cottages, cabins and RV trailers are frequently targeted by vandals and burglars and are more prone to destruction by fire than primary residences. There are ways to keep your properties safe when you’re not around. But for real peace of mind, consider getting secondary home insurance.
Many seasonal homeowners aren’t aware of the complexities of seasonal insurance. For example, certain insurers are shy about offering holiday home insurance, opting instead for extending primary home insurance to cover a seasonal property due to the added risks. Also, the vacation property market is evolving. You want to make sure your cottage insurance is keeping up with the times.
Seasonal home insurance can range from basic fire to full replacement of all your personal belongings, as well as the cost of rebuilding in the event of total loss. Our brokers have all the answers to your seasonal insurance questions.
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Whether flood coverage is offered and the extent of the coverage depends on the location of the dwelling in relations to the flood plains.
Yes, there is coverage for boats on a standard seasonal policy. Depending on the value of the boat, additional coverage may need to be purchased.
Keep in mind, that even though you may not be occupying the dwelling all year, it still exposed to insured perils year round. The premiums for seasonal policies take into consideration that the location is not occupied year round.
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