Vacation Property Insurance in Wetaskiwin
At Peters Insurance, we offer vacation property insurance to protect your seasonal homes, whether it’s a lakeside cabin, a cottage in Alberta, or a getaway property in B.C. or Saskatchewan. These properties often face unique risks due to limited occupancy and remote locations.
What Is Vacation Property Insurance?
Vacation property insurance covers your seasonal home against risks like fire, theft, vandalism, and certain weather-related damage. Liability protection is also included, covering injuries that occur on your property.
What’s Covered and What’s Not
Your policy typically covers the main building, any detached structures, personal contents, and liability. However, it won’t cover damage due to wear and tear, long-term vacancy, or business use, unless you’ve added specific endorsements. This type of coverage is especially worth considering if your property is used seasonally or often left unoccupied.
Factors to Consider
When choosing coverage, think about the property's location, how often you use it, what security features are in place, and whether it has year-round access. All of these can affect both your coverage needs and your premium.
