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California Seasonal Homeowners Insurance

To be eligible for a California Seasonal Insurance policy, we typically require that our customers have a Homeowners’ Insurance policy with us. This requirement can be avoided if you’re able to extend liability to the seasonal home through an existing homeowners’ insurance policy. In rare cases where the customer’s primary residence is outside the United States, we will allow customers a standalone Seasonal Insurance policy.

Western Mutual offers Seasonal Insurance policies to existing customers who wish to cover their vacation homes with the same affordable protection they rely on for their primary residences. Our Seasonal and primary Homeowners’ Insurance coverages and quote information are very similar, so please read more about our homeowners’ policy here for more information about the type of coverage you’d expect with your seasonal home.

Our Benefits

Our seasonal coverage includes the following benefits:

How Do We Decide Our Coverages

Similar to our Homeowners’ Insurance, we determine the base dwelling amount through:

  • Age of the Home
  • Size of the Home
  • Location of the Home

Using public county records, we’re able to determine information about the residence. If you notice a change in the property information from the last county update, please give us a call at 1-877-968-8825 to readjust the quote. We offer Seasonal Insurance quotes both online here and over the phone.

Homeowners

Homeowners

Start here to learn more about what a California homeowners’ insurance policy through Western Mutual can start doing for you. Whether you’re a new homeowner looking for the best rates with the best coverage or you’re looking to switch, our California homeowners’ policy can provide you with the most affordable, industry-standard coverage in the state.

Earthquake

Earthquake

Already have an extensive and affordable California homeowners’ insurance policy with us? Find out here how you can add more coverage for earthquake risk here all while keeping your primary homeowners’ insurance rates reasonable.

Condominium

Condominium

Looking for Condominium Insurance with quality coverage? Find out how to easily receive a quote in less than a minute.

Flood

Flood

Live in a flood zone that requires you to have flood insurance for your home or looking to secure extra coverage for additional protection? Visit our Flood Insurance page to find out how to incorporate Flood Insurance with your existing Homeowners’’ Insurance policy with us. Also, learn how you can switch your Homeowners’ policy to us while keeping a comparable Flood Insurance rate.

Landlord

Landlord

If you’re planning on or are already renting your house out to tenants, Western Mutual is here to provide you with top-notch protection for your investment property. We can advise you on how to add rental coverage in addition with your primary residence.

Seasonal

Seasonal

Planning on purchasing or switching insurers for your vacation home? Western Mutual offers the peace of mind that your seasonal home will have the protection you need.