Seasonal and Vacation Home Insurance in Cedarville, the Les Cheneaux Islands, and Across Michigan

Personalized Protection for Your Home Away from Home

A seasonal or vacation home brings joy, relaxation, and family memories — but it also carries unique risks. From storm damage to theft when the property is vacant, secondary homes require tailored coverage. At Islands Insurance Center, we specialize in protecting cottages, cabins, and island homes across Cedarville, the Les Cheneaux Islands, and the Eastern Upper Peninsula. Our goal is simple: to give you peace of mind, no matter where you are.

What Seasonal Home Insurance Includes

Coverage for seasonal and vacation homes with Islands Insurance Center can be designed around your specific property and lifestyle. Options include:

Property Coverage

Protection for the structure of your secondary home against fire, wind, hail, or other covered perils.

Personal Property

Coverage for furnishings, appliances, and belongings inside your vacation home.

Liability Coverage

Protects you if guests are injured on your property or if you cause damage to others.

Loss of Use

Helps cover temporary living expenses if your seasonal home becomes uninhabitable.

Detached Structures

Coverage for garages, sheds, boathouses, or guest cottages.

Watercraft & Dock Coverage

Options for boats, jet skis, and docks often tied to Michigan lake or island homes.

Vandalism & Theft Protection

Special consideration for vacant periods when the home is unoccupied.

Frequently Asked Questions

  • Why do seasonal and vacation homes need special insurance?

    Seasonal properties are often vacant for extended periods, making them more vulnerable to damage from storms, vandalism, or unnoticed maintenance issues. Islands Insurance Center helps design coverage that reflects these unique risks and ensures your investment is protected year-round.

  • Do you insure island cottages in the Les Cheneaux Islands?

    Yes. Many of our clients own homes on the Les Cheneaux Islands and nearby waters. We understand the challenges of insuring remote, island-access properties and provide coverage tailored to their needs.

  • Does my homeowners policy cover my vacation home?

    In most cases, no. A standard homeowners policy usually covers only your primary residence. Islands Insurance Center can help you secure a separate policy specifically designed for your seasonal or secondary property.

  • Can coverage include boats or docks?

    Absolutely. Many seasonal homeowners in Michigan have boats, jet skis, and docks. We offer optional add-ons to make sure these are covered too.

  • What makes Islands Insurance Center different from larger agencies?

    At Islands Insurance Center, we’re deeply connected to Cedarville, the Les Cheneaux Islands, and the Eastern Upper Peninsula. We provide personal service, quick communication, and flexible options from trusted carriers to ensure your seasonal home policy is built around your exact situation.

  • How do I get a seasonal home insurance quote?

    It’s easy. Fill out our [Request a Quote] form, text us, call our Cedarville office, or stop in. At Islands Insurance Center, we’ll review your property details and customize a policy that’s the right fit.

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Why Choose Islands Insurance Center for Seasonal & Vacation Home Insurance?

Specialized Coverage for Michigan’s Seasonal Homes
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Community-Rooted: Local expertise in protecting cottages, cabins, and lakefront homes across Cedarville and the Les Cheneaux Islands.

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Tailored Policies: Every vacation home is unique — and your insurance should be too. We design coverage around your property and lifestyle.

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Trusted Carriers: Access to respected companies ensures flexible, reliable protection.

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Independent & Flexible: As an independent agency, Islands Insurance Center works for you, not just one provider.

Protect Your Cottage or Cabin with Islands Insurance Center

Your seasonal or vacation home is more than just property — it’s where memories are made. At Islands Insurance Center, we’ll make sure your home away from home is protected, whether it’s a lakeside cottage in the Les Cheneaux Islands or a cabin tucked in Michigan’s woods. With tailored coverage and neighborly service, you can relax knowing we’ve got you covered.

Request a Quote from Islands Insurance Center