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Wethersfield, Connecticut

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Seasonal property and vacation home insurance helps you to protect you and your family against financial loss in the event that a covered peril causes damage to your seasonal property, its detached structures, and/or your personal property at your other house. It also covers payments you are obligated to make when you are liable for damage to another person’s property or bodily injury.

We offer the following home insurance options for your seasonal or vacation property:

  • Dwelling – Coverage for your house itself
  • Other Structures – Coverage for any detached structures
  • Personal Property – Coverage for the contents in your house (sub-limits apply to certain types of personal property)
  • Loan of Use – Coverage for additional living expenses while your home is being rebuilt
  • Personal Liability – Coverage if you are found liable for damages to another person’s property or bodily injury
  • Medical Payments – Initial coverage if someone gets injured on your property
  • Valuable Items – Coverage for jewelry or fine arts beyond what is covered on the standard home policy
  • Water Backup – Coverage if there is a backup of a sewer or overflow of a sump pump
  • Additional coverages such as earthquake, food spoilage, etc. are available

Why Carry Insurance for My Seasonal Property or Vacation Property?

Your mortgage company requires you to.  If you don’t have a mortgage, you might want to carry coverage in the event your house is damaged or destroyed or if someone gets hurt on your property.

What Limits and Deductibles of Seasonal Properties / Vacation Home Insurance Should I Carry?

Everyone’s individual situation is different and therefore coverage recommendations will vary.  Traditionally, you want to make sure that if your house was a total loss, that your policy would rebuild you another home with like kind and quality.  With regards to the deductible, the higher the deductible, the lower the premium.

Coastal Risks

If you own a primary, secondary, seasonal, or rental property near the coast, you probably know how difficult it is to obtain coverage for a reasonable premium.  Whether or not you have hurricane mitigation, we have a market for you.  Call Olde Liberty today to discuss your options.

Contact Olde Liberty Insurance today for a comprehensive insurance review and a no-obligation, customized quote from some of the most reputable carriers in the state of Connecticut.

Request CT Insurance Quote

Request a Personal Insurance Quote!

We are committed to accurate quotes for insurance for residents throughout the state of Connecticut! Submit your information via this online form, and we will follow up, typically within a few business days.
  • Reports will be ordered to properly classify and rate your policy. These reports may include information about your claims and driving history, insurance score, and may include information about current and former members of your household. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals, or extensions of this insurance. We may also obtain and use a credit-based insurance score. We may use a third party in connection with the development of the insurance score. State privacy laws require that you are notified that personal information may be collected from sources other than yourself. This will include a loss history report showing your personal insurance claims history. Such information, as well as other information collected, may be disclosed in circumstances to third parties without authorization. A right to access and correction exists with respect to all personal information and a written notice will be furnished to you upon request.

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