A seasonal home is what we call a property that’s used for recreation. It’s used for a set period of time during the year, and is unoccupied for long periods of time. For example, a cottage you use on summer weekends but leave empty during the winter months would be a seasonal home.
Seasonal home insurance
Protect your home away from home.
Why get seasonal home insurance?
Whether it’s a summer cottage or a winter chalet, your vacation home is the place to unwind. Home insurance for your seasonal home means even if a tree falls on the roof, you still have peace of mind knowing you’re insured.
How does seasonal home insurance protect you?
Protect your vacation home, whether you use it year-round or seasonally. Explore our full coverage details.
Damage coverage
Protect your home from damage such as fire or hail, and basic water damage like a leak from a pipe.
Personal items
Cover the costs of replacing any of your items that get damaged or stolen like furniture, computers or bikes.
Detached structures
We provide coverage for things like boat houses, sheds, and other structures that are detached.
Watercraft coverage
We’ll cover up to $4,000 for watercraft, like kayaks, paddle boards, and any equipment like helmets and life jackets.
Add on to your protection
Depending on where your seasonal home is located or the value of the items you own, you might want additional coverage. We offer customized coverage for all budgets and lifestyles. To learn more, or to discuss personalized home insurance needs, get in touch with a financial representative.
Comprehensive water
Protection from sudden and accidental water damage caused by:
- Water, septic or sewer backups
- Storm surges
- Waves from a storm or hurricane
- Flooding from any body of water
- Water from extreme weather
- Rising of the water table
Sustainable home upgrades
With Enviroguard®, we’ll cover an additional 10% of your claim, up to $50,000, to repair or replace property with more environmentally responsible alternatives.
Earthquake coverage
Extend your policy to cover damage caused by earthquakes.
Rent out your seasonal home part-time?
Talk to a financial representative about short-term rental insurance.
Need insurance for your recreational vehicles?
Embrace the freedom of adventure with protection for your motorcycle, ATV, fifth-wheel trailer, and more.
Get our best price for seasonal insurance
Here are some easy ways you can save on the coverage you need.
Combine your insurance
Enjoy discounted coverage when you bundle your home and auto insurance, or when you insure more than one home with us. Learn more about bundling
Stay claims free
If you've never made a claim while covered by home insurance, you may be eligible for an automatic discount.
Increase your deductible
Increasing your deductible can help lower your premium. Plus, any deductible over $1,000 will “disappear” by $100 each year you stay claims-free.
Find even more ways to save
There’s plenty you can do to save on your insurance. Talk to a financial representative or check out even more of our home insurance discounts.
Ready to get a quote?
It only takes a few minutes to get your personalized quote for seasonal home insurance online. You can also call 1-877-545-2667 or find a financial representative.
