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Seasonal Rental Property Insurance

Seasonal Rental Property Insurance: A Simple Guide

Cabin by a lake for use in Seasonal Rental Insurance BlogSeasonal rental properties, whether they’re cozy winter cabins or breezy beachfront condos, are a source of income and joy for many homeowners. However, like all valuable assets, they come with their own set of risks. This is where Seasonal Rental Property Insurance comes into play. It’s designed to protect your property not just from the usual risks but also from unique situations that might arise due to family dynamics or estate planning.

Understanding the Basics of Seasonal Rental Property Insurance

At its core, Seasonal Rental Property Insurance is similar to the homeowner’s insurance you’d get for your primary residence. It covers damage to the property, liability in case someone gets injured on the premises, and loss of rental income if the property becomes uninhabitable due to a covered peril.

However, because seasonal rentals are often unoccupied for extended periods, they can be more susceptible to certain risks like theft, vandalism, or unnoticed damage (like a water leak that goes undetected for weeks).

Normal Situations

Let’s consider a typical scenario.  You own a beautiful cottage by the lake, which you rent out during the summer months. One day, after a particularly severe storm, a tree falls and damages the roof. Not only is there physical damage to the property, but you also have bookings for the next three weeks. Without Seasonal Rental Property Insurance, you’d be on the hook for the repair costs and potentially lose out on the rental income. With the right coverage, both these costs can be mitigated.

Special Cases: When it’s not just a rental property

Now, let’s delve into more complex situations. Imagine your elderly parent has moved into a nursing home.  While the house remains unoccupied most of the time, family members occasionally stay there during holidays or weekends. In such cases, a standard homeowner’s insurance might not offer adequate coverage since the property is technically unoccupied.

The same scenario can apply if an elderly parent passes away, leaving behind an unoccupied home.  The estate can be left with a home that the family uses to stay in occasionally throughout the year.

In such scenarios, Seasonal Rental Property Insurance can be tailored to cover these unique risks. It can ensure that the property is protected even when it’s not being rented out in the traditional sense.  Remember, you do not have to be charging rent to need a rental property insurance policy.  And it can provide clarity on liability issues.

Let’s define “Unoccupied” for insurance purposes

When we talk about a property being “unoccupied,” it doesn’t mean the place is completely empty. In insurance terms, for a property to be considered unoccupied, it still needs to have furniture. So, if you have a vacation home or a family house that no one’s living in right now, but it’s furnished, it’s “unoccupied.”

If it’s totally empty without any furniture, it’s “vacant.” This difference is important because insurance companies view vacant properties as higher risks than furnished, unoccupied ones.  If it is vacant, then you would need to purcase a vacant home insurance policy.

So, always ensure your property has furniture if you’re considering it as unoccupied for insurance purposes


Seasonal Rental Property Insurance is not just for those looking to protect their summer or winter rentals. It’s a versatile tool that can offer peace of mind in a variety of situations.  From estate planning to navigating the complexities of family-owned unoccupied properties. If you own a seasonal rental or an unoccupied family home, it’s worth exploring this insurance.  It will ensure your property and financial well-being are safeguarded.

Contact Huff Insurance for your seasonal rental property insurance needs

Huff Insurance has a team of experienced insurance  professionals, ready to provide you with the best coverage and protection for your seasonal rental property or unoccupied family home.

Reach out today to get started on finding the right policy that fits your unique needs.   Call us at 410-647-1111 or fill out the quote request form on this page.

We look forward to working with you!