Like your day-to-day residence, your seasonal home is an important part of your family’s life. Years of family memories and history often revolve around your “home away from home” which means it holds an important place in the hearts of your family and friends.

But unlike your regular residence, your seasonal home can sometimes be left unoccupied for long periods of time during the year. The amount you use this home, and a number of other factors – like the distance to the nearest fire hydrant (or fire department) – will affect the coverage you need.

With significant increases in construction, reconstruction and building material costs, it’s vital to make sure your home and its contents are fully covered in case of a fire or other significant claim. We work with all our clients to evaluate your situation, explaining the differences between new construction costs, rebuilding costs and market value to make sure your home is insured to what you need to be able to replace it.