Seasonal Insurance

Protection for your home away from home

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Coverage for your seasonal property

Your cottage or holiday property is a place of comfort where you and your family can get away, unwind and enjoy life. You’ve spent a lot of time making it the perfect home away from home. Let us help you get the coverage you need.

What seasonal dwelling insurance covers

Depending on your coverage needs, you have the freedom to choose between a Basic Homeowner Policy or a Residential Fire Policy.*

A Basic Homeowner policy is generally purchased when higher insurance limits are needed.

If your seasonal property is in Quebec, you will need to take out a secondary homeowner policy. You can choose a Basic, Elite, VIP or Residential Fire Policy that is active during the winter months.

 

Basic seasonal house policy coverage (excluding Quebec)

Dwelling Protection

A basic characteristic of your seasonal home insurance policy is dwelling protection. This covers the home in which you live, as well as other structures that are attached to it, such as a garage or a deck. Keep in mind that this is restricted to named perils only.

Personal Property (Contents)

Contents located in the seasonal property are covered. However, coverage is restricted to losses sustained as a result of a named peril (e.g. fire, wind or smoke).

Additional Living Expenses

If you need to move out while repairs are being made, or if an insured peril makes your dwelling unfit for occupancy, Allstate will cover increases in living expenses, like moving expenses. Payment will be made for your relocation and during the reasonable time it takes to repair the dwelling.

Liability

This is an extension of your home, tenant or condo policy. You are protected if your are held liable for injury and death to someone on your property.

Perils

Your basic seasonal property policy would cover perils such as water damage and escape, vandalism, falling objects, glass, and theft.

 

Residential fire policy coverage

Dwelling Protection

One of the characteristics of your residential fire policy is dwelling protection. This covers the home in which you live, as well as other structures that are attached to it, such as a garage or a deck. However, this is restricted to named perils only.

Detached Private Structures

Your residential fire policy coverage also extends to other structures that are on your property but are separate from your home, like a detached garage, tool shed or fence. This coverage is also restricted to named perils only.

Liability

You are protected if you are held liable for injury or death to someone on your property. This coverage is an extension of your existing tenant, home or condo policy.

Looking for cottage insurance?

Read our blog about 10 questions to ask before choosing a cottage insurance policy


Legal

Terms and conditions apply. Coverage, perils, discounts, and availability may vary by region.
* Applies in AB, ON, NS, and NB.
This contains information about coverage offered by Allstate but does not list all of the conditions and exclusions which apply to the coverage described. The wording of the actual policy and local law will govern. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-allstate.