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
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
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
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.
- 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
- 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
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 email@example.com.