Secondary Residence & Seasonal Dwellings

A cottage, a ski chalet, a cabin or a condo…wherever you escape to, let’s make sure your getaways are secure. Because your second or seasonal home is a home too.

Insurance for Your Year-Round Second Home

Where do we provide this coverage? 

 

The Basics

Home and contents coverage

  • You choose the deductible, starting at $500
  • How it helps you: If your home is damaged, this helps pay the costs of repairs or rebuilding, and the replacement cost for contents. Plus, it offers coverage of some living expenses if you have to move out temporarily or find a new home due to damage

Personal liability 

  • You choose $1 million or $2 million in coverage
  • How it helps you: If you unintentionally injure somebody (at home or elsewhere), this helps pay the cost of damages to them

All-risk

  • How it helps you: This covers a lot more than just your house – damage to a garage or shed, even accidental damage in many circumstances or voluntary medical expenses, as covered by your policy

Water damage/sewer backup

  • How it helps you: You’re covered for certain damages by water

Guaranteed replacement cost

  • How it helps you: Tops-up your coverage if the cost to replace your home is higher than the coverage stated in your policy – a little extra peace of mind, just in case

Extra Value Rright There in Every Policy

Generous coverage for special items

  • How it helps you: You likely have a few things in your home that are especially valuable – jewellery or art, for example. There’s special coverage for high-value items

Identity theft

  • Amount: Up to $30,000
  • How it helps you: If your identity is stolen, there could be financial losses to deal with. You could also have legal fees, costs to restore your identity and lost wages to consider. Your Johnson policy covers these so you can concentrate on getting back on track

Free With Every Johnson Home Policy

  • AIR MILES® – Earn 1 AIR MILES reward mile for every $20 in premium paid, including taxes
  • 24/7 Claims service – If you’ve got a claim, we’re here to help – all day, every day
  • 50+ Plan – If you or your spouse is 50 or over, you also qualify for extra services: morale, nursing, companion, housekeeping services after a hospital stay, plus a home repair/maintenance referral service

 

Seasonal Home Insurance

Where do we provide this coverage? 

 

The Basics

Fire and extended coverages

  • You choose the amount you need
  • You choose the deductible, starting at $500
  • How it helps you: If your home is damaged, this helps pay the costs of repairs or rebuilding

The Options

Vandalism, malicious acts and burglary.

  • You choose the deductible, starting at $500
  • How it helps you: If vandals or burglars damage your home, this helps pay the costs of repairs or rebuilding

 

Things You’ll Want to Know

  • You need to have a Johnson home insurance policy
  • You need to qualify for this coverage
  • In Quebec? We are not currently able to provide insurance for secondary or seasonal homes in Quebec

Need something different? Give us a call and we’ll build the right coverage for you.

 

Home and auto policies are primarily underwritten by Unifund Assurance Company (“Unifund”). Unifund and Johnson share common ownership. Auto insurance is not available in BC, SK and MB. An alternate plan is available in QC. Eligibility requirements, limitations or exclusions may apply and/or may vary by province/territory. 

AIR MILES® reward miles awarded only on regular home and auto insurance policies underwritten by Unifund Assurance Company and awarded at the time premium is paid. AIR MILES reward miles not available in SK, MB or QC. One AIR MILES reward mile is awarded for each $20 in premium (including taxes). ® TM Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Johnson Inc. (for Unifund Assurance Company).