For only $50 annually, you can have broader coverage for the electrical and mechanical equipment in your seasonal dwelling.

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Coverage for your seasonal home.The policies provide for a wide variety of causes of loss, including vandalism.

When you purchase insurance for your seasonal house, coverage options are as follows:

  • Additional living costs - when a covered claim means you can’t occupy your home, this coverage will pay for the additional costs you incur
  • Liability - if you are sued for a covered incident that occurred on the seasonal property, we pay for an attorney, court costs and any damages awarded, up to policy limits
  • Detached structures on the premises (garage, storage shed, etc.)
  • The contents of your seasonal home
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.

Typical loss for your seasonal home:

Imagine the air-conditioning system in the home quitting during a heat wave. The repairman informs you that the compressor had an internal failure and needs to be replaced. Most seasonal policies won’t cover this, but with our Equipment Breakdown addition, you’ll be covered. We’ll pay for the repairs, less the deductible.

Some restrictions and exclusions do apply. See policy for exact coverage description.

What does this coverage cost?

$50 annually (no matter how many dwellings), and a deductible of only $500 (no matter your policy deductible)

Covered Items

  • Compressors, pumps, engines
  • Electrical systems
  • Furnaces
  • Generators
  • Home appliances (e.g., dishwashers, washing machines)
  • Hot-water heaters
  • Motors, fans, vacuum systems
  • Refrigerators and freezers
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.
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