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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Seasonal Homeowners Insurance Coverages

Coverage A: Residence

Covers your residence including additions and built-in appliances.

Coverage B: Related Private Structures on the Premises

Coverage for structures on the insured premises that are not attached to your residence such as garages, storage sheds, fences, driveways, pools, and sidewalks. (Non-farm use only)

Coverage C: Personal Property

This is where your contents are covered. You may apply this coverage to personal property owned by you anywhere in the world, subject to possible limitations.

Coverage D: Additional Living Expense and Loss of Rent Coverage

Pays any necessary and reasonable increase in living expenses you may incur if all or a portion of you residence is unfit for occupancy because of an insured loss. Motels and transportation costs are examples of additional living expense. Also pays if you sustain loss of rents from a part of your residence rented to others.

Coverage L: Personal Liability

Covers you if someone is injured due to your negligence or an insured’s negligence. Personal Liability is worldwide coverage.

Coverage M: Medical Payments

If an incident occurs at your residence, this coverage will pay for incidental medical expenses up to the Medical Payment limit.