5 Things to Consider When Insuring Your Vacation Home

Let us paint a picture for you: The sun is shining and you’re sitting lake side sipping on a tasty beverage while reading a good book, soaking in the atmosphere out at your beloved vacation home.

Those are the days you look forward to. If you had the choice, those days would never end. Unfortunately, life calls and they do come to an end, and because of that, we want to make sure your getaway home is protected when you’re not around.

Here are a few things to think about when insuring your vacation home:

1) Your little slice of heaven’s permanent contents, and outbuildings such as boat houses or sheds will typically be covered.

2) We’ve also got your vacation property covered in the case of damage from fire, smoke, windstorm or hail, freezing pipes, and more.

But be warned – During the regular heating season the water supply must be shut off and the pipes drained or you won’t be covered for damage caused by freezing of pipes. Nobody wants that.

3) Any items transported between home and your vacation home are covered by the primary home insurance policy.

4) Your vacation home policy also provides liability coverage in case someone gets hurt while in your vacation home or if you unintentionally injure someone or damage their property.

5) There are often limitations for coverage on your vacation home however—such as sewer backup—so be sure to ask your insurance agent about this and decide what coverage is best for you.

Then get out to that vacation home and kick up those feet!


Since 1962, AMA has been providing reliable auto insurance to Albertans. We are proud of our strong Alberta roots and our history of protecting what matters most to you.