Seasonal Home Insurance Coverages

Choose a package or create a customized policy that fits your second home or vacation property.

Comprehensive Property Coverage

We insure most direct, abrupt and accidental physical losses to your seasonal home that aren’t specifically excluded in your policy.

Actual Cash Value

Helps cover the cost to repair or replace your damaged seasonal home, with a deduction for depreciation, which reflects the age and condition of your property.

Agreed Loss Settlement

If your second home is destroyed by an insured total loss, you would receive the full amount agreed upon for your home (minus any applicable deductible). You wouldn't need to guess how much coverage you have.

Named Peril Coverage

We provide coverage for perils such as fire, explosion, lightening, wind and hail, specifically named in your policy (subject to exclusions).

Liability Coverage

This provides coverage if you’re found legally responsible for an accident that causes property damage to another’s property or injury to someone who doesn’t live in your vacation home.

Replacement Cost

If you purchase this optional coverage, in the event of a covered loss, it will provide a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.

  • Extended replacement cost (up to an additional 25% of the insured amount)
  • Replacement cost coverage on personal property
  • Additional coverage for jewelry, watches and furs
  • Business property and liability
  • High liability limits

Seasonal Home Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:


Insure more than one dwelling with us.

Age of Home

Newer seasonal homes qualify for an increased discount.

Claims Free

If you’ve made no claims, you’ll get a discount.

Seasonal Home Insurance FAQ

Have questions about your seasonal home insurance?

Homeowners policies do not typically provide coverage for second homes. If you’re financing, your lender may require insurance. Even if your seasonal home is paid in full, it’s a good idea to protect your investment in the event of damage caused by covered perils.
You’ll get the same coverage options for a seasonal home as you do for your primary home. This includes coverage for the dwelling, other structures, personal property, liability and more. Customize your policy to get what you want.
It depends on several factors. For example, if your seasonal home is near a lake where flooding may occur, or in a wooded area more prone to fire, it may be considered higher risk than your primary residence. Homes that aren’t consistently occupied can also have a greater chance of burglary and damage from hazards such as leaks or burst pipes that occur when you aren’t there.
If you leave your home during winter months and travel to a second home in a warmer climate, then a seasonal home insurance policy with Foremost could be right for you.

Get a quote for seasonal home insurance through an independent agent

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