Quote:
Originally Posted by TheProfessor
A homeowners property insurance is a homeowners insurance.
Any agent can provide this.
Your home town agent can do this if licensed in New Hampshire.
A seasonal home is the same as any other home.
|
Not necessarily. I recently experienced a situation where a seasonal home had been insured by the same local company for more than 70 years. Renewal time was coming up (during the "off-season"), and the insurer wanted photos of the property. It was explained that because this was a seasonal home, photos would have to wait a few months. No problem with the delayed photos, but this raised other questions. The insurer then said that in order to continue coverage, there would need to be year-round access (i.e. the 200 foot driveway would have to be kept plowed in the winter), and there would need to be a full-time caretaker on site. Really??!! Yup. There was no way that was going to happen.
So no, depending on your insurance company, a seasonal home is
not the same as any other home.