Seasonal and vacation property insurance covers properties used for part of the year, including cottages, cabins, trailers and some recreational vehicles. Because these properties may sit unoccupied for extended periods and are often far from emergency services, they carry higher risk profiles than primary residences. Policies can be structured as a standalone product or as an add-on to a primary home insurance policy, but coverage is typically more limited, often restricted to named perils such as fire, wind, smoke, explosion and some forms of sudden accidental damage.
