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Seasonal & Secondary Home Insurance

Escape worrying about your getaway property.

Getting away to your second or seasonal home can be the perfect thing to unplug and recharge. To help keep stress away, it’s important to have seasonal and secondary home insurance. We’ll help you get the coverage that fits your needs and lifestyle, so you can focus on the relaxing.

Get started with a quick quote and see how we’re making insurance getting as smooth, simple and painless as possible.

Protect what you love from what you don’t love: the unexpected

What if there was a fire?

A fire accidentally started in your secondary or seasonal home. You’re either not in town or it takes longer for firefighters to arrive. Good thing your insurance policy can help cover repairs.

What if something was damaged?

Unfortunately, these types of situations do happen, but your insurance policy can include coverage to repair the damage, so you don’t have to worry.

What if your vacation home was broken into?

Your personal belongings were damaged. Or worse, taken. Now what? Insurance can help cover those items, so they’re almost as good as new or new-new.

How to make seasonal or secondary property insurance work for you

Your secondary property (or properties) is a huge investment. Depending on your property type, you can have different insurance needs and therefore, costs. We’ll help you feel confident that your investments are fully protected, so you can enjoy your properties to their fullest. 

Oftentimes, people add secondary or seasonal homes as an additional location on their primary home insurance policy. It may also be issued as a stand-alone policy depending on its condition, age, and proximity to fire protection as well as coverage requirements. Some common coverages are:

Liability Coverage

This coverage protects you for accidental injuries or damage to you or someone else in your home.

Personal Property Coverage

Often referred to as Contents Insurance, it protects your personal belongings at your secondary or seasonal home – from your TV to your BBQ.

Hot Tip:

Since you can’t be in two places at once, have someone stop by your secondary or seasonal property to make sure there hasn’t been any unexpected issues. It will not only give you peace of mind, but it can help resolve issues faster. Like a lot faster.


What is a seasonal property?
If you use your second property during one season of the year your property is likely a seasonal residence. The type of property determines your insurance requirements.
What information do I need to get a quote?

To get the best price and the right coverage, we’ll need some basic information about you and where you live. It’s okay, they’re not super hard questions or anything. Questions may include:

  • When would you need your coverage to start?

  • Where is your property located?

  • What type of property do you own? (e.g. house, condo, cabin, etc.)

  • What is the age and condition of your property?

  • What is the total value of your belongings kept at the property?

  • Do you have any detached or additional structures on the property?

  • What is your insurance and claim history?

What does secondary or seasonal home insurance cost?

It depends on you and your property. Insurance companies determine rates differently for various insurance products.

For secondary and seasonal property insurance, some factors that affect your premiums are:

  • Where your property is located

  • The type of property you own and its age

  • The materials used to construct your home

  • The value of your property’s furnishings and the personal belongings you keep there

  • The accessibility of your property 

  • Your insurance and claim history

What is the benefit of working with an insurance Specialist?

Like we said, shopping for insurance is not fun. So think of us as your insurance partner. We’ll do everything we can to make getting the right coverage as smooth, simple and painless as possible. We know every insurance situation is unique, so we know the important questions and will learn about you to make sure your policy gives you the protection you need.

We’ll also cut through the industry jargon to make sure you understand your policy, and help you navigate optional coverages to recommend additional options you may want or need. 

With seasonal and secondary home insurance especially, there are a lot of options, and it can be overwhelming to research. An insurance broker will help you build the right policy for your situation. As your needs change, your broker will also help you update your policy, so you stay covered.

An insurance Specialist is also aware of discounts offered by insurance companies and can recommend combining products to save you time and money. In fact, some insurance companies and their products are only available through an insurance broker. Bottom line? We can save you money too.

What do I do if I have to file a claim?

If you need to file a claim, it’s okay, don’t worry, we’ll do it with you. We know accidents and claims happen, we’ve seen and heard it all. As your insurance partner and advocate, we will help you through it. Call us at 1-833-745-0299 and we’ll be here to help you navigate the situation, 24/7.

We love our clients.
Turns out, they love us too.

…our insurance issues were clearly explained and alternative solutions were provided, allowing us to make informed decisions!
Margaret & Norbert P.
…always so helpful with all my questions and trying to get me the best quote.
Susan P.

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At Insurance Store, we offer second home insurance to those in Woodstock, Chatham, Collingwood, Barrie, Windsor, and the rest of Ontario.

Open for business, and ready to help with all your insurance needs by phone or email. Contact Us Now