A good deal of housing here is tied to employment: seasonal, provided or subsidized by an employer. The arrangement is convenient, and it does not insure anything you own.
Employer-provided housing is still somebody else’s building. Your belongings and liability remain yours.
Three things about a home tied to a job.
Whoever provides the accommodation covers their own property and liability. Your possessions, your liability and the cost of staying somewhere else after a loss are not part of that. The convenience of the arrangement makes it easy to assume otherwise.
Where several employees share a unit, each person’s belongings are their own to insure and one person’s policy does nothing for anyone else. A loss in shared housing usually reveals that exactly one of the occupants had cover.
A policy for a six-month season is straightforward to arrange, and keeping cover continuous between seasons is worth more than the premium saved by lapsing. Continuity is itself a rating factor and it follows you.
Cover in housing you did not choose.
Each occupant needs their own policy.
Seasonal workers frequently have more than they think.
Continuity beats saving a few months of premium.
Tell us whether the housing is shared and how long the season runs.
We write seasonal policies and keep them continuous between seasons.
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