Homeowners Insurance

[lfm]

Can anyone reccommend an insurance agent who deals with insuring seasonal properties?

Thank you

[Lakeboater]

Cross Insurance handles seasonal property

[pjard]

My home is year round but I second Cross...they are simply outstanding to deal with.

[moose tracks]

Originally Posted by lfm

Can anyone reccommend an insurance agent who deals with insuring seasonal properties?

I also use Cross Insurance in Laconia. Good rates and service.

[Orion]

If you're a veteran or child of a veteran you can use USAA.

[Slickcraft]

Recent threads on island insurance:

http://www.winnipesaukee.com/forums/...land+insurance

http://www.winnipesaukee.com/forums/...land+insurance

[lfm]

Originally Posted by Orion

If you're a veteran or child of a veteran you can use USAA.

Thanks, I tried to get a quote from USAA on-line, but they wouldn't process it on-line because it's a seasonal property. After seeing your suggestion, I called and spoke to a 'real' person at USAA who was very helpful and able to provide a quote for the property to me.

[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.

Both Cross/Foss and USAA are fine.

There is also Melcher and Prescott on Main street - Meredith.

[MeredithMan]

...just like you can bundle auto and home insurance, you can also bundle multiple homes and potentially save some $$. Obviously, depends on your carrier and their ability to do so. We have Liberty Mutual and bundle autos, primary and secondary home, etc., which results in additional discounts. Presumably any other large ins co can do the same.

MM

[codeman671]

When you say "seasonal" are you talking about an island property?

There are a few previous threads on this if so. Those that have been with the same insurer for years may find that their companies no longer will write island policies.

[wickedtravelah]

Liberty Mutual is a pleasure to work with. They have an office in Concord.

[Red apple]

Melcher and Prescott insurance has been great to deal with. They shop the policy with many companies to find the best rates for you. If you would like any names there just PM me.

[DesertDweller]

We use Liberty Mutual for our primary and Moultonborough house in addition to our auto policies. Pretty pleased with them. Have different agents/offices for each location but both are good.

[P-3 Guy]

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.

[garysanfran]

After many years with the same company, they wanted an inspection. We failed because there is only one full-time occupied neighboring house that has a visual of our property. They said they require a minimum of three occupied, year-round residents that can see the home. They also insisted we plow our road.

[SIKSUKR]

Originally Posted by garysanfran

After many years with the same company, they wanted an inspection. We failed because there is only one full-time occupied neighboring house that has a visual of our property. They said they require a minimum of three occupied, year-round residents that can see the home. They also insisted we plow our road.

Sounds unreasonable to me. I only have 1 neighbor that can see my house as I write this. Never been a problem.

[BroadHopper]

Originally Posted by garysanfran

After many years with the same company, they wanted an inspection. We failed because there is only one full-time occupied neighboring house that has a visual of our property. They said they require a minimum of three occupied, year-round residents that can see the home. They also insisted we plow our road.

Is that Melcher and Prescott? My girlfriend's mother was told that the cottage needs to be painted after an inspection!

Must be one heck of an insurance company!

[ishoot308]

Originally Posted by garysanfran

After many years with the same company, they wanted an inspection. We failed because there is only one full-time occupied neighboring house that has a visual of our property. They said they require a minimum of three occupied, year-round residents that can see the home. They also insisted we plow our road.

Gary;

Is this a seasonal home you are talking about or one you are in full time??

Dan

[TheProfessor]

Originally Posted by TMI Guy

So no, depending on your insurance company, a seasonal home is not the same as any other home.

You are right. I stand corrected.

No plowing of driveway could be an issue.

Insurance companies seem to be getting more and more picky.
Allstate completely left Florida after the hurricanes.

I don't think Amica insures anyone in Florida unless you already have a policy with them in another state.

I have had two "inspections" since switching to Cross - a homeowners policy company they represent/sell. No issues found. But they always ask how old the roof is.

[tis]

It is the companies the agents deal with that are getting so picky about things so you can't blame the agency other than the fact of what companies they choose to deal with. I have heard it all having multiple properties. One doesn't like this, one doesn't like that. Your your house is empty, you house needs paint, you need to fix the chimney, you have a diving board, you have a slide, you live in a flood zone, your house is too expensive, you don't have an alarm system, you rent it, you have a wood stove, etc. etc. You can't get discouraged, you just have to keep trying until you find a company that will cover you.

[garysanfran]

Because we rent our place for the summer, we need a policy for vacation rentals. There are not many choices for insurers that specialize in seasonal rentals. Their requirements are more strict.