Seasonal Property Insurance
Take care of your home away from home.
Whether it’s a cabin in the woods, a condo in a mountain town, or a cottage on the beach, it’s nice to have an escape for you and your family. Ensure it’s protected for your enjoyment for years to come.
Your guide to seasonal property insurance.
If you’re the lucky owner of a seasonal property, you’ve likely already invested significant time and resources into the care and maintenance needed to keep it in shape for your getaways. Like your primary home, it’s important to protect this investment.
Seasonal property insurance can protect your getaway from:
- Theft and vandalism
- Fire and smoke
- Hail
- Wind
- Ice
Coverage across Canada.
Get in touch about seasonal property insurance by phone or in person at your nearest location.
Common coverages for your season property.
Standard homeowner’s insurance might not offer the specific protection you need for your seasonal property. These policies are designed to give you peace of mind knowing your cherished retreat is well-protected year-round.
Dwelling Coverage
This covers the cost to repair or replace your seasonal property if it’s damaged by a covered loss, such as a falling tree or fire.
Personal Property Coverage
This can help cover the cost of replacing your belongings in your seasonal property, such as furniture, clothing, appliances, electronics, bikes, sporting equipment and more.
Personal Liability Coverage
This offers protection if someone is accidentally injured while at your seasonal property or if you unintentionally damage someone else’s property.
Additional Buildings Coverage
This can help cover the costs to repair or replace your damaged detached structures, such as sheds, garages, gazebos or boathouses.
Endorsements
This can add to your seasonal property coverage by offering protection from water, sewer backups, short-term rental income, residence under construction and guaranteed replacement cost.
Why choose Acera Insurance for seasonal property insurance?
Our team of trusted advisors is here to guide you toward the insurance that’s right for you and your seasonal property.
100% Canadian
As a fully Canadian owned and operated business, we live, work and play in the same communities as you. This means we understand firsthand the risks that you may face in owning a seasonal property.
Market Access
As an independent brokerage, we will shop around our vast market of more than 100 insurers and specialty underwriters to secure the comprehensive coverage you need, for even the most complex risks.
Focus on Relationships
Acera Insurance is proud to build trusted relationships with our clients — we’re not a call centre. When you choose Acera Insurance, you will work with a dedicated advisor who will take the time to truly understand your needs.
Helpful tips from our advisors.
Trust our expert insurance advisors to help you understand what you need to consider for your seasonal policies.
Answering your most common questions.
Why do I need seasonal property insurance?
Your vacation home or cabin being unoccupied for most of the year poses the largest risk. This leaves your property open to harm and makes it a criminal target. As well, because no one is around, damage may go unnoticed and result in far greater issues than if it is discovered right away. Some of the most common causes of damage to seasonal properties are:
- Theft and vandalism from breaking and entering
- Flooding
- Frozen and burst pipes
- Roof leaks
- Wildfire
- Wind
Having the right insurance can help keep your seasonal getaway in the family for years to come.
What does seasonal property insurance not cover?
Seasonal property insurance typically does not provide coverage for:
- Animal damage
- General wear and tear on the building
- Loss of or damage to cars, campers and other motorized vehicles
It’s also important to understand that standard seasonal property insurance has several exclusions; however, if you are eligible, you can add endorsements to your policy to add protection for these risks, including:
- Water and flooding
- Sewer backups
- Earthquakes
Speak with an Acera Insurance advisor if you have questions.
What’s the difference between a seasonal property and a secondary property?
A seasonal property is typically only used for part of the year, usually summer. A secondary property is used throughout the year but isn’t considered your primary residence.
Does a trailer or camper count as a seasonal property?
Maybe. It depends on how you use your trailer or camper. If it’s permanently parked, blocked and skirted, some insurers will consider your trailer as a seasonal property.
Speak with an Acera Insurance advisor if you have any questions.
How much does seasonal property insurance cost?
How much your insurance will cost can depend on several factors. These include:
- How often you occupy your seasonal property
- Property size
- Property location
- Endorsements purchased to enhance your protection
- Property age
- Construction materials used to build your dwelling
- Proximity to a fire hydrant and fire hall
Contact an Acera Insurance advisor for a free quote on coverage for your seasonal property.
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