With the beautiful lakes that Saskatchewan has to offer it is very common for most people to get away to seasonal locations or resorts during the warmer months. Commonly people have cabins, trailers, mobile homes, boats and motors, All Terrain Vehicles, and special belongings at these seasonal locations. Seasonal insurance is very common for this type of property.
There are some higher risks involved at a seasonal. The camper fires are one common thing at seasonal locations and with your seasonal liability coverage purchased you will have the needed legal protection if someone is severally hurt due to your negligence at the common camper fire.
Sheds, boathouses, bunk houses, belongings are all insurable by most seasonal insurance coverage. Belongings being personal property that you own or use, kept at your premises.
Did you know that seasonal coverage can be purchased through a homeowner’s policy or separately on their own? One advantage in purchasing their own policy is that after a claim made the claims free discount will only affect the seasonal policy and if together with the home then it will remove the entire home and seasonal claims free discount.
Now keeping in mind that the seasonal dwelling must be seasonally occupied. (Not continuously, unoccupied or vacant all year). Seasonal also must be located at a lake or a resort.