Seasonal Home Insurance – Protect Your Investment

Although you may only use your seasonal or vacation home for part of the year, it's important to have year-round protection of both your property and its contents. You want to know your investment is safeguarded as much as possible and at all times -- especially when you're not there.

Pearson Insurance has been delivering this kind of protection to seasonal homeowners across New Brunswick for more than 80 years. So, we have both the experience and expertise to customize a seasonal or cottage insurance plan that's right for you.

What is Seasonal Home Insurance?

Although similar in many ways to regular homeowner insurance, seasonal home insurance also features a number of key differences. It's important to work with a broker who understands these variances so you can be sure you're adequately protected.

For example, while home insurance usually provides comprehensive coverage against all types of disaster other than those specifically excluded in the policy, seasonal or cottage insurance typically offers coverage only for perils actually named in the policy. That's why it's important to work with an expert who can identify the risks you face.

Some of those risks, like vandalism, burglary or burst water pipes, can be much more harmful when a vacation property is unoccupied, so they can be more expensive to insure. An independent broker like Pearson Insurance can shop around for you to find an insurer who will protect you at competitive rates.

What Does Seasonal Home Insurance Include?

The main options of home insurance for seasonal homes include:

  • Liability insurance to protect against the risk of someone suffering an injury in your home, or damage caused to a neighbouring property as a result of an incident on your property.
  • Structural insurance against risks like fire and theft and certain types of storm damage -- subject to the listed perils restriction mentioned above. Septic backup and flooding are not covered.
  • Contents coverage. This is protection for items that are kept permanently at your cottage. Other items that you bring from home and then take back with you are likely covered in your main property insurance.
  • Detached private structures -- buildings such as sheds, boat-houses, garages and other structures.

Watercraft. Typically, they are not included in a standard policy but can be added as an endorsement.

Isn't Cottage Insurance Covered in my Regular Property Insurance?

No, but it can be added as an endorsement, as a "secondary" or "seasonal" location, to your existing property insurance.

Alternatively, we can provide a standalone policy -- although, even for this, most insurers insist that you also have your main home insurance with them.

How Can Pearson Insurance Help Me?

Your vacation home insurance should not be an "off-the-peg" product. It needs to be tailored to your specific needs and usage.

For example:

  • How often do you use it?
  • Where it’s located -- for instance is it coastal, lakeside, or inland?
  • Will it be only used by you and your family or will you rent it out?
  • What type of security measures are in place? Is it alarmed? Do you have neighbours looking in on it for you in your absence?Are there other specific risks?
  • Which perils do you want to protect against?

The answers to all of these questions affect your premium. Pearson's seasonal home insurance experts will be able to build a policy around your priorities and budget.

We can also:

  • Provide advice on risk management for your secondary or seasonal home
  • Help and support you if you need to make a claim
  • Ensure you're getting best value, including any available discounts, for your coverage
  • Deliver outstanding customer-driven service

Get a Free, No-Commitment Quote Today

You don’t have to shop around for the right seasonal home insurance policy at the right price. We do that for you!

And we're happy to give a rapid, no-commitment, no-cost quote on the likely premium.

Just pick up the phone and call us or contact us via this website. We'll answer your questions and get back to you with the information and quote you need quickly.

Just give a broker at Pearson Insurance a call at 1-800-260-2277 or send us an email at