Seasonal Homeowners Insurance Coverages

Coverage A: Residence
Coverage B: Related Private Structures on the Premises
Coverage C: Personal Property
Coverage D: Additional Living Expense and Loss of Rent Coverage
Coverage L: Personal Liability
Coverage M: Medical Payments

We Can Insure Your Seasonal Home, Possessions, and Personal Liability Even if We Don’t Insure Your Primary Residence

Here in Central New York, we’re close to some beautiful outdoor recreation spots. Thousands enjoy the Adirondack Mountains, Oneida Lake, and much more.

That’s why we offer a Seasonal Homeowners Insurance policy for people who own second homes. A big advantage with Sauquoit Valley Insurance Co. is that we do not demand the insurance on your primary residence to write your seasonal home! And clients appreciate our convenient location near their second home.

A Seasonal Homeowners policy pays losses to property on an Actual Cash Value basis for the following perils:

  • Fire or Lightning
  • Windstorm or Hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Sudden and Accidental Damage from Smoke
  • Vandalism and Malicious Mischief
  • Glass Breakage
  • Theft
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This is not a complete list of policy coverages. Consult the policy for all coverages, exclusions, and provisions.