A second home that is rented while you are away is neither a residence nor a rental property. It is both in turn, and the policy has to know which it is at any given moment.
Mixed use is a real category. A policy written for one half will not answer for the other.
Three things about a house that changes role each season.
A property you occupy for part of the year and rent for the rest does not fit a standard homeowners form or a standard landlord form neatly. Some carriers write it specifically, some require a landlord policy year round, and some decline. Describing the pattern honestly is what gets it placed correctly.
Unlike an ordinary rental, a part-year arrangement usually leaves the owner’s furniture and possessions in place while tenants are there. That is a contents exposure most landlord policies are not written for, and it needs addressing explicitly.
Between your stay and the tenancy the house may sit unoccupied, which engages the vacancy conditions. On a seasonal pattern those gaps are predictable, which means they can be planned for rather than discovered.
A property with two jobs.
It decides which form fits and which carriers will write it.
Owner contents during a tenancy needs naming.
Predictable vacancy is manageable vacancy.
Tell us which months you are there, which you rent, and what stays in the house.
We write the pattern you actually have instead of forcing one form on it.
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