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Seasonal Home Insurance

Your seasonal home provides a relaxing retreat to get away from it all. However, because you are not there all the time, you want to protect your home from damage while you are away. Whether it’s a small hunting lodge in the middle of the woods or a beautiful waterfront home on the lake or ocean, we work with qualified insurance providers to offer the coverage you need to ensure your family continues to enjoy your vacation home season after season.

As a family-owned business, P.D. Foster Insurance understands the importance of a family retreat, whether it is newly built or has been in your family for generations. We specialize in protecting your second home and all its contents with comprehensive Seasonal Home Insurance coverage should the unthinkable happen.

Why You Need Seasonal Home Insurance

Seasonal homes are often located in out-of-the-way areas where an event such as a fire or damage from weather events might not be discovered right away. This also leaves your home and other outdoor structures such as bunkies, saunas, boathouses, and sheds vulnerable to break-ins, theft, and vandalism.

Because you aren’t there all year round, you can also arrive to find damage from extreme weather, leaks, or criminal activity. A lot can happen both when you are there and when you are away. Therefore, you need Seasonal Home Insurance to cover damages to your home, outbuildings, and personal belongings stored at the home.

Our partners offer comprehensive Seasonal Home Insurance to cover everything so you can replace or restore damages and begin enjoying your home away from home again. Our team will work with you to find the proper coverage for your seasonal home, so you suffer as little impact as possible when the unexpected occurs.

What does Seasonal Home Insurance cover?

Our Seasonal Home coverage includes the following damages caused by perils listed on your policy:

  • The dwelling itself, as well as other structures such as a garage, deck, outhouse, or dock
  • Any personal property located in your seasonal home
  • Living expenses if you are staying at the home and require temporary lodging, food, and supplies during restoration

When shopping for Seasonal Home Insurance be sure to discuss the “perils” covered by the policy such as water damage, fire, vandalism, falling objects, and theft. We can assess risks associated with your seasonal home location to help ensure you have the proper coverage for your seasonal home.

Why Choose P.D. Foster Insurance

At P.D. Foster Insurance we have been offering specialized insurance services such as seasonal home coverage for our customers since 1949. As a family-owned brokerage, we are committed to finding cost-effective insurance solutions that minimize premiums while maximizing your coverage for total peace of mind.

We understand the unique needs of seasonal homes based on their locations, property, and contents. We will find the best solution to ensure your property and belongings are replaced so you can continue enjoying your seasonal home for years to come. As insurance brokers, we can search for the right coverage from different providers, so you have the most coverage with the lowest premiums.

For more information about Seasonal Home Insurance, speak to our team today.

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