At EINSURE Las Vegas we have the seasonal property insurance options for your home away from home. Seasonal or second homes are occupied by the owner for less than 5 consecutive months each year. If this is you, then seasonal property insurance might be the right coverage.
The two options to protect your part-time home are dwelling property policies. A Dwelling Property (DP) policy is ideal for a seasonal home, such as a home in an isolated area, or that lacks utilities, or that does not use a furnace for heating.
DP Coverage Types for your Seasonal Home*
DP-1 Basic Form: Sometimes referred to as “residential fire” insurance, protects your property from damage cause by specific events, the “named perils.”
DP-3 Special Form: This offers broader protection. While similar in coverage to a standard homeowners program, it is designed for the seasonal market.
By adding our occasional rental coverage, you can rent your seasonal home to others for a short period of time when you are not using it.
*These programs are not intended for condominiums or apartments. There are separate programs for full time rental houses.