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What to know when purchasing a seasonal home


  • Seasonal home insurance premiums will be higher than a typical home due to the protection class of the home. The responding fire department may be further away from the home with a lesser capacity than a fire department in the city.  Also, there might not be a water source like fire hydrants and the fire department may be volunteer only.

  • What is the primary source of heat in the home? Is there a woodstove in the home and is it the primary source of heat? This could affect eligibility with insurance companies who may consider this a higher risk for a fire claim.

  • How old is the roof? Depending on the age and type of roof some insurance companies may only offer actual cash value instead of replacement cost if there was a covered loss on the roof.

  • Any trees overhanging the roof of the home?

  • Will you be using this home for a short-term rental when not in use?

  • Is it a log home?

  • How old is the plumbing and electricity?

  • Is there an alarm system?

  • Will you have any recreational vehicles or watercraft kept at the seasonal home?

  • Will anyone else own the home with you?

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© 2024 Paroubek Insurance Agency

CONTACT NUMBER

(920) 347 - 9115        

ADDRESS:

400 Destiny Drive
De Pere, WI 54115 

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