Insurance for Seasonal Properties: What You Need to Know Before Spring

As spring approaches, many second-homeowners start prepping their cabins, lake houses, and desert escapes. But before you open the windows and air it all out, ask yourself: is your seasonal property properly insured? 🏡☀️
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Here’s what you need to know to protect your retreat before the season kicks off.

Why Seasonal Property Insurance is Different

Unlike your primary residence, a seasonal home is vacant most of the year—which increases risks like theft, vandalism, water damage, or unnoticed structural issues. Standard policies may not be enough.

Key Coverage to Consider:
✔️ Dwelling Coverage – Protection for the structure itself, tailored for periods of vacancy.
✔️ Personal Property – Covers belongings you keep in the home (furniture, appliances, etc.)
✔️ Liability Coverage – In case someone is injured on the property.
✔️ Optional Add-Ons – Like wildfire, flood, or hurricane coverage depending on your location.

Tips to Lower Risk (and Premiums):
🔒 Install smart home security systems
🌡️ Use programmable thermostats
🧼 Keep up with maintenance—even when you're away
📝 Work with an agent who understands vacation homes

Final Thoughts
​You worked hard for your getaway—make sure it’s protected the right way. Whether you’re opening up for spring or buying a second home soon, VIP Insurance Professionals will build a policy that fits your lifestyle and location.