The Thousand Islands and Lake Lake Ontario regions of Upstate New York is home to hundreds of seasonal homes, cottages, camps and island properties. Watertown Insurance Services in Watertown, New York has competitive insurance programs for all types of properties like seasonal homes, secondary residencies, cottages, camps or island properties. We work with multiple “A” rated insurance companies who offer a wide array of insurance products for a all types of vacation homes. Many of our current clients have elected to own their seasonal home, cottage or island property in a trust or LLC and may even rent the property by the week or month for additional income. We have multiple insurance companies who can easily accommodate rental activities and properties owned by trusts, LLC’s and corporations.

Your second home is more than just a building — it’s where you create memories, escape the routine, and share special moments with the people you love. But owning a property you’re not living in full-time brings unique risks. Storm damage, break-ins, frozen pipes, or unexpected accidents can happen when you’re away. That’s where we come in. Watertown Insurance Services seasonal & secondary homeowner Insurance is designed specifically for part-time residences, giving you the protection and peace of mind you need — whether you’re there every weekend, only during the summer, or just a few times a year.

Why You Need Specialized Coverage

Many people assume a standard homeowner’s policy will cover a second home. Unfortunately, that’s not always true. Insuring a property that’s vacant for long stretches or used for seasonal vacations requires coverage that accounts for:

• Higher risk of damage or theft when no one’s home regularly

• Weather-related threats like snow, ice, hurricanes, or flooding

• Unique location factors such as waterfront property, island properties or limited access camps.

• Occasional rental use if you rent out your second home to others

Our policies are tailored to these realities — so you’re not left with costly gaps in coverage.

What Our Seasonal & Secondary Home Insurance Covers

We work with you to build a plan that fits your specific property and usage. Coverage options can include:

• Property Damage – Protects your home and other structures (garage, deck, shed) against fire, storms, vandalism, and more.

• Theft & Vandalism – Coverage for stolen belongings or property damage caused by break-ins.

• Liability Protection – Shields you from financial loss if someone is injured on your property.

• Loss of Use – Covers additional living expenses if your second home becomes uninhabitable due to a covered event.

• Specialty Add-Ons – Such as flood insurance, earthquake coverage, large boathouses and watercraft available to guests.

Tailored for Your Lifestyle

We understand no two second homes are alike. Whether you:

• Visit every weekend

• Spend a full summer on the lake or river.

• Use your cabin just for prime summer weekends.

• Rent your property to guests part-time

… we’ll design coverage that matches your needs and budget.

Why Choose Us?

• Experience – We've been offering high quality insurance for seasonal and secondary homes in Northern New York since we were first founded in 1947.

• Custom Coverage – We don’t believe in one-size-fits-all policies.

• Responsive Claims Service – Help is just a call away, anytime. We offer 24 hour local claims services where the owner will return your call with 1 hour 7 days a week.

• Trusted Advisors – We take the time to explain your options clearly.

Don’t leave your second home’s safety to chance. Let us help you protect the place where your best memories are made. Call us today to find how Watertown Insurance Services can help you with your seasonal home insurance, cottage insurance or island property insurance needs.

Get a Free Seasonal Homeowner Insurance Quote