Core property coverage
Essential protection for your second address
Standard home insurance policies don’t automatically include additional real estate. We tailor second home insurance around its usage, occupancy patterns, and location to ensure complete protection across key risk areas.
Dwelling & structural
Safeguard the physical framework of your building against insured losses from fire, severe weather, falling trees, and structural damage.
Personal property & contents
Protect furniture, electronics, appliances, and personal belongings kept on-site with replacement cost coverage.
Personal liability
Shield your personal assets if a guest or maintenance worker suffers an injury or property damage on your premises.
Additional living expenses
Cover temporary housing and living costs if an insured loss makes the property uninhabitable during necessary repairs.
Unoccupied property
Maintain coverage against theft, forced entry, vandalism, and water damage during periods when the property sits unoccupied.
Condo units
Condo master policies offer limited protection. Extend coverage to interior upgrades, liability gaps, and expensive deductible assessments.
Policy enhancements
Customize coverage for family, guests, and commuters
Not all secondary homes serve the same purpose. Enhance your baseline policy with targeted endorsements built around how you use the property.
Student & family occupancy
Extend liability and personal property coverage to relatives residing in your secondary property, such as students or senior parents, without requiring separate tenant policies.
Short-term rental
Add commercial liability and property protection if you periodically rent out your second home through platforms like Airbnb or Vrbo.
Overland water & sewer backup
Guard secondary residences against freshwater flooding, heavy rainfall, surface runoff, and sewer backups, providing critical protection for homes left unoccupied between visits.
The Navacord advantage
Seamless insurance for multi-home owners
As one of Canada’s leading independent brokerages, we leverage top national insurance carriers to simplify protection for your entire real estate portfolio.
