Buy seasonal home insurance in Canada- On Parle
                     Buy seasonal home 
insurance in Canada- On 
Parle Assurance
What is the need to buy seasonal 
home insurance in Canada?
Those who own a second home other than the resident home should know how to 
protect their properties from unnecessary risks with seasonal residence 
insurance. Insuring a property considered a seasonal home is challenging 
because the policy for vacation properties is distinct from that of a residing home. 
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What do seasonal home insurance 
policies cover?
1. A second home is covered in a separate insurance policy compared to your primary residence. However, this 
relies on your insurance company and their policies.
2. The coverage for a seasonal home operated would be restricted to mentioned risk or fire and extended 
coverage, with the compensation on an actual cash value basis.
3. Liability is limited to the premises only. Theft and vandalism, or malicious acts are excluded. Water damage is 
restricted but excluded while vacant during the months of unoccupancy
4. The broad form for seasonal homes offers coverage for the building, other buildings on the property, contents, 
and unoccupancy. These coverages are similar to a primary home coverage with some lesser limits.
5. Almost all seasonal homes are covered somewhat routinely by adding the area to the same policy as the current 
primary home. However, some insurance companies insure properties that don't fit that standard, such as 
stand-alone seasonal homes or properties under a business name or in a faraway place like an island property.
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What is the need to 
buy seasonal home insurance in Canada?
Since each home is different and has its own special coverage requirements, you can't insure 2 homes 
under a single home insurance policy. However, several insurance companies give policyholders a choice to 
buy two home insurance policies as a policy bundle, with one bill and several policy perks. Bundling policies 
with a single insurance company lowers your insurance premiums.
Buy seasonal home insurance online to keep your second home safe while away, lowering your insurance 
premiums. Ensure the home has a security system and warning alarm. Hire a seasonal home manager to 
keep an eye on the house and perform maintenance while you are not around. Property managers can also 
take care of snow removals and landscaping, manage vacation tenants, and, most importantly, present on 
the premises to assess any damage quickly - whether an alarm rings or after an intense windstorm.
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To know more about seasonal rental insurance, visit On Parle 
Assurance's website. At On Parle Assurance, they help you discover 
the right insurance policy because their brokers understand the 
impact insurance coverage can have on your personal or 
professional life. 
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Thank You
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