Seasonal Home Coverage

Insuring Your Home Away From Home

Whether it's a luxury resort villa or a rustic family cabin, your seasonal property needs the right protection. We offer two distinct programs tailored to the age and condition of your getaway.

Option 1: Comprehensive Coverage (DP-3)

Best for modern or well-maintained vacation homes in above-average condition.

• Eligibility: Homes up to 80 years old with a roof updated in the last 20 years.

• Protection: Covers all causes of loss unless specifically excluded.

• Payout: Settled at Replacement Cost—no deduction for depreciation.

Option 2: Flexible Coverage (DP-1)

Ideal for older, "well-loved" cabins, or homes that may lack modern heating and cooling.

• Eligibility: No age limit; requires "fair" or better condition.

• Protection: Covers specific risks listed in the policy (e.g., fire, wind, hail).

• Payout: Settled at Actual Cash Value (includes depreciation), though repair cost upgrades are available in most states.

Not sure which fits?

We can help you decide if your property qualifies for full replacement coverage or if a basic fire policy is the smarter, more affordable choice.