Seasonal and Secondary Homes

At Middlesex Mutual Insurance we know a seasonal home is one of your most valued assets. Whether it's a cottage on the lake, a travel trailer that moves from campsite to campsite or a second home you visit every chance you get.  'Doing the Right Thing' means we work hard to make sure our recreational insurance is right for you.

Use of your seasonal home

Our seasonal questionnaire is here to help you decide the type and amount of coverage you need. Then please talk to one of our agents. Many have their own seasonal home and would be happy to help you through the process.

Types of recreational properties

Our recreational insurance offers coverage options for:

  • Cottages
  • Secondary homes
  • Seasonal mobile homes
  • Travel trailers (not motorized)

Our recreational insurance offers coverage for your:

  • Recreational home or trailer
  • Personal property that stay at the cottage
  • Water shield coverage (restrictions apply)
  • Liability insurance (typically extended from your primary home insurance policy)

Remember to talk to a Middlesex agent about other optional coverage to add or increase coverage limits like:

Please note:

For illustration purposes only. Actual policy wordings govern. The above is meant as general information to help you understand the different types of coverages. All coverages are subject to the terms, limits, provisions, exclusions, and conditions in the policy itself. Coverage availability is subject to underwriting eligibility and guidelines. We encourage you to speak to your agent or broker and to read your policy contract fully to understand your coverages.