Seasonal Home Insurance


A seasonal or vacation home may not qualify for homeowners insurance. A seasonal home can be located in an isolated area, may lack utilities or a furnace for heating.

A vacant home is more likely to be burglarized, vandalized, burn to the ground or suffer frozen pipes than a home that you live in full time.

Consequently you need an insurance policy that tailored to you seasonal or vacation home.

Flood Insurance

Vacation homes are often near water. You need to find out if your vacation home is in a flood zone. If it is you need to buy additional insurance to cover floods.