Dwelling - Seasonal / Secondary

Take advantage of this year-round business-booster! This program is for one to four family dwellings that are used seasonally or as a secondary residence by the owner or by a tenant. It is designed for dwellings, condos, and townhouses and covers dwellings and personal property with a total insured value of up to $1,000,000.

Contact your Underwriter at Sovereign or info@sovereignins.com or 800-843-0843

About Our Agency

Sovereign serves insurance professionals in New York, New Jersey, Pennsylvania & Massachusetts. All programs are not available in all states.

Underwriting Rules

May Effect Eligibility

  • Liability on risks with unfenced swimming pools
  • Accounts with any type of loss exceeding $10,000
  • Dwellings with more than three losses

Prohibited Business

  • Dwellings with three or more mortgages
  • Risks with any domestic, guard, or vicious animals. Prohibited dog breeds include but are not limited to Chows, Pit Bulls (Staffordshire Terrier, Bull Terrier), Dobermans, Rottweillers and Wolf Hybrids
  • Bankruptcy /Foreclosure /Repossession within past three years
  • Mobile Homes
  • Barns
  • Risks with four or more losses within the last three years
  • Liability on Risks with daycare and pools
  • Appurtenant structures without dwelling
  • Risks with existing fire damage
  • Wood stoves as a primary source of heat in a PC 9 or 10
Effective Date: 03/07/2014