Vacation and Seasonal Homes

Vacation homes come in all sorts, from luxury properties on a lake or golf course, to more humble cabins with that beloved squeaky screen door. Whether it’s just been purchased, or has been in the family for generations, just by being a part-time home it may not be eligible for the robust protection of the HO-3 you typically quote from your lead carrier. Or, there could be a liability concern such as a pool or an older out-building on the property that makes it hard to place.


What are your coverage choices?

Dwelling Basic (DP-1)

Essential and flexible coverage for rental and seasonal homes.

 

Eligibility:

  • All occupancy types – rental, seasonal, vacant, owner-occupied
  • No restriction on the home’s age
  • Fair or better condition
  • Standalone, non-residential structures
  • Up to four-family construction

Popular Features:

  • Named peril protection
  • Actual cash value settlement
  • Coverage of standalone structures
  • Liability coverage

 Program details vary by state. Please consult the program manual for specifics.

Dwelling Special DP-3

Comprehensive protection for short-term and occasional rentals, as well as temporary vacancies.

 

Eligibility:

  • Rental or seasonal occupancy (owner occupancy available in some states, vacant occupancy available in AMsuite states)
  • Home up to 80 years of age (60 years in some states)
  • Roof up to 20 years of age
  • Above average condition or better
  • Single family structure up to a four-family
  • AMsuite only: Schedule up to 10 homes on one policy

Popular Features:

  • Covers short-term and occasional rentals
  • Covers temporary vacancies
  • Full replacement cost settlement
  • Personal property coverage
  • Loss of rent coverage
  • Prior claims acceptable

Program details vary by state. Please consult the program manual for specifics.

Specialty Homeowners (HO-10)

The middle ground between basic and comprehensive coverage.

 

Eligibility:

  • Single- or two-family construction
  • Average or better condition, showing proper maintenance
  • Full-time, owner-occupied residence or a seasonally used home
  • No age restriction

Popular Features:

  • Personal property coverage
  • Named peril protection
  • Actual cash value settlement
  • Liability coverage

Program details vary by state. Please consult the program manual for specifics.