Protect the place you love—no matter the season.
Your seasonal home is where memories are made: summer weekends at the lake, cozy winter escapes in the woods, or quiet spring retreats in the countryside. But when you’re not there, the unexpected can happen. Seasonal Home Insurance keeps your getaway protected year‑round, so you can relax knowing it’s safe even when it’s empty.
Why You Need Seasonal Home Insurance
Seasonal homes face unique risks, especially when vacant for long periods. Standard homeowners policies may not fully cover a property that isn’t your primary residence. A seasonal home policy gives you protection designed specifically for those risks, including:
- Extended vacancy protection
Guard against damage that goes unnoticed—like leaks, pests, or break‑ins. - Weather & storm protection
Coverage for wind, hail, heavy snow and frozen pipes in seasonal areas. - Theft & vandalism coverage
Get peace of mind even when you’re miles away. - Liability coverage
Protect yourself from accidents or injuries that occur on the property—even if you rent it out occasionally.
What’s Covered?
Your seasonal home insurance can include:
🏠 Property Protection
- Structure of your seasonal home
- Detached buildings (garages, sheds, boathouses)
- Personal belongings inside the home
🌊 Natural Disaster Coverage
Protection from events like fire, storms, or heavy snow. Optional flood depending on location can be added.
🛡️ Liability Coverage
If someone gets injured on your property, you’re covered.
🔧 Additional Options
- Coverage for rental use or operating as a vacation rental
- Replacement cost upgrades
- Sewer backup protection
- Equipment breakdown
Who Is Seasonal Home Insurance For?
This coverage is a perfect fit if you own:
- A lake house
- A hunting cabin
- A beach cottage
- A country retreat
- Any part‑time residence used less than full‑time
Looking for Rental Property Insurance in Minnesota?
If you own a rental property in Minnesota a traditional homeowner’s insurance policy will not work.
You need what’s called a “Specialty Dwelling” insurance policy.
This is because traditional homeowners insurance excludes coverage for properties that are not owner-occupied and are offered for rent.
In other words, if you don’t live in the house, it’s only covered by a specialty dwelling policy.
Iverson Insurance represents several carriers who can insure your rental property or specialty use property.
Specialty Dwelling Insurance
There are multiple scenarios where specialty dwelling insurance is necessary:
Rental Properties — Specialty Dwelling insurance is the only type of policy that will work for a rental property.
There are certain coverages that you need as the owner of a non-owner occupied property that are only provided by a specialty dwelling insurance policy like for example Landlord Furnishings, and Tenant Liability..
Seasonal & Vacation Homes — in many cases, in order to insure a secondary, seasonal, or vacation property, most companies require that you insure your primary residence with them as well, which isn’t always possible.
Older & Lower Value Homes — if your home is extremely old and/or the market value is considerably lower than the cost to rebuild it, many insurance companies may hesitate to cover it. Older or lower-valued properties present a number of problems, but we have access to specialty policies specifically for these types of homes.
New Build Construction — if you’re planning to start a new home build we have solutions to cover your project as it gets built protecting your new investment every step of the way.
How to get started on your quote
If you live in Minnesota and have a property that fits these parameters, give us a call or use the form below to get started.