Seasonal and Secondary Home Insurance
Congratulations On Your Purchase — Have You Considered Holiday Home Insurance?
Whether you’re looking to escape the hustle and bustle of city life here in Canada’s capital of Ottawa or you just want an ideal getaway where you and your family can feel more connected to nature, having a secondary, seasonal or holiday home is nothing shy of a luxury. However, you won’t be at your secondary home all of the time, so how do you know what’s going on over there? A seasonal home insurance policy from Bradley’s Insurance, as part of our revamped personal insurance line, can help you protect your seasonal home. To us, you deserve that peace of mind.
Seasonal And Secondary Home Insurance
You finally have that place on the lake, in the country, or in the mountains. It is your little piece of paradise, your home away from home. But what happens when you’re not there? Is your property secure? Is it protected? What if there was a fire, a wind storm or an act of vandalism?
Do you have the proper insurance? It depends on the home. If it is a secondary home, then you should purchase a secondary home Insurance policy. This type of policy provides similar comprehensive coverage that your home insurance policy would cover. What is considered a Secondary Home? Usually, the property must be year-round accessible, heated, and used on a regular basis. This type of coverage can be combined with your existing principal residence policy or on a stand-alone basis with select insurance companies.
If it is a seasonal home, or truly rustic cabin, then the coverage options available are not as broad as those available for a secondary home. Coverage options are usually restricted to Named Perils Coverage. Burglary and Malicious Damage coverage may be purchased at an additional cost.
Other considerations when deciding on appropriate insurance coverage include but are not limited to docks, boat houses, outbuildings, and personal property kept at the cottage.
Liability is restricted to the location and is not personal liability.
A Seasonal Home Insurance Policy Can Help
Do you need to protect your home away from home? If you’re searching something like “protect seasonal home” on the internet, your search stops with Bradley’s Insurance. We have not only a wide range of coverage choices, but we have a deep understanding of them. Our insurance agents can help you grasp how to categorize your seasonal home as well as the best ways to protect your well-deserved piece of paradise.
Get started with our personal insurance services today.