Seasonal Home Insurance

Your seasonal home isn't standard, so your insurance policy shouldn't be either. Foremost® Insurance specializes in this unique market and offers coverage to help you take care of what matters to you.

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Seasonal Home Insurance Coverages

Choose a package or create a customized policy that fits your second home or vacation property.

Comprehensive Property Coverage

We insure most direct, abrupt and accidental physical losses to your seasonal home that aren’t specifically excluded in your policy.

Actual Cash Value

Helps cover the cost to repair or replace your damaged seasonal home, with a deduction for depreciation, which reflects the age and condition of your property.

Agreed Loss Settlement

If your second home is destroyed by an insured total loss, you would receive the full amount agreed upon for your home (minus any applicable deductible). You wouldn't need to guess how much coverage you have.

Named Peril Coverage

We provide coverage for perils such as fire, explosion, lightening, wind and hail, specifically named in your policy (subject to exclusions).

Liability Coverage

This provides coverage if you’re found legally responsible for an accident that causes property damage to another’s property or injury to someone who doesn’t live in your vacation home.

Replacement Cost

If you purchase this optional coverage, in the event of a covered loss, it will provide a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.

  • Extended replacement cost (up to an additional 25% of the insured amount)
  • Replacement cost coverage on personal property
  • Additional coverage for jewelry, watches and furs
  • Business property and liability
  • High liability limits

Seasonal Home Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:

Multi-Dwellings

Insure more than one dwelling with us.

Age of Home

Newer seasonal homes qualify for an increased discount.

Claims Free

If you’ve made no claims, you’ll get a discount.

Seasonal Home Insurance FAQ

Have questions about your seasonal home insurance?

Homeowners policies do not typically provide coverage for second homes. If you’re financing, your lender may require insurance. Even if your seasonal home is paid in full, it’s a good idea to protect your investment in the event of damage caused by covered perils.
You’ll get the same coverage options for a seasonal home as you do for your primary home. This includes coverage for the dwelling, other structures, personal property, liability and more. Customize your policy to get what you want.
It depends on several factors. For example, if your seasonal home is near a lake where flooding may occur, or in a wooded area more prone to fire, it may be considered higher risk than your primary residence. Homes that aren’t consistently occupied can also have a greater chance of burglary and damage from hazards such as leaks or burst pipes that occur when you aren’t there.
If you leave your home during winter months and travel to a second home in a warmer climate, then a seasonal home insurance policy with Foremost could be right for you.

Seasonal Home Insurance Highlights

No Primary Residence Requirement

Unlike some other companies, a Foremost policy doesn't require that your primary residence be insured with us to insure your secondary property.

Customizable Policies

Create the type of policy you want with a variety of optional endorsements to choose from.

Get a quote for seasonal home insurance through an independent agent

Get a quote directly from Foremost

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Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.

Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.

Oregon Customers: Foremost does not offer discounts related to wildfire risk mitigation.

For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:

Foremost Choice® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.

Foremost SignatureSM Auto & Home: Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Preferred Insurance Company, Economy Fire & Casualty Insurance Company. Home office, Warwick, RI.

Bristol West® and Bristol West Insurance Services of California, Inc.: Bristol West Casualty Insurance Company, Bristol West Insurance Company, Bristol West Preferred Insurance Company, Coast National Insurance Company, Security National Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost County Mutual Insurance Company. Home office, Sunrise, FL.

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.

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