Describe how the property is actually used
A secondary home might be visited every weekend, occupied for part of the year, used by family or rented to others. Insurers may define “secondary” and “seasonal” differently, so access to the property alone does not determine the policy form.
Disclose how often the home is occupied, the longest expected absence, who checks it and whether it is rented. Insurance Bureau of Canada guidance notes that a secondary or seasonal property may sometimes be added to an existing home policy or insured separately, depending on the circumstances and insurer.
Review the building and its surroundings
An advisor may ask about:
- Construction, age, heating, plumbing, electrical service and roof
- Year-round road access and distance to fire protection
- Water source, septic system, shoreline structures and detached buildings
- Smoke, carbon-monoxide, security, low-temperature and water-leak monitoring
- Winterization, utility shutoff and arrangements for inspections during absences
- Mortgages, co-owners and anyone else who regularly occupies the property
Seasonal shutdown procedures do not replace the policy’s requirements for heat, water systems, vacancy or regular inspections.
Match coverage to occupancy and rental plans
Ask which causes of loss are covered, how the dwelling and belongings would be valued and what deductibles apply. Water damage, sewer backup, overland water, wildfire exposure, theft and vandalism may require closer review depending on the property and available products.
Tell the broker before introducing short-term or long-term rentals, home exchange, paid guests or business activity. Renting can materially change eligibility, liability and coverage; it should not be treated as ordinary family use.
Connect the second home to the rest of the portfolio
Review personal liability across the primary and secondary residences and identify where boats, ATVs, trailers, docks and other recreational property need separate coverage. Visit recreational and leisure insurance for related products.
If access or occupancy is limited to a particular season, see seasonal-cottage insurance. For the principal residence, see home insurance.
Bring complete property information
Gather the current policy, ownership and mortgage details, photos, construction information, occupancy calendar, rental plans, protective-device details and claims history. Contact Westoak to review whether the property should be connected to the primary home policy or considered separately.