The Thousand Islands and Lake Ontario regions of Upstate New York are home to hundreds of seasonal homes, cottages, camps and island properties. Higgins Insurance Agency in Baldwinsville, New York has competitive insurance programs for all types of properties like seasonal homes, secondary residences, cottages, camps or island properties. We work with multiple “A” rated insurance companies who offer a wide array of insurance products for all types of vacation homes. Many of our current clients have elected to own their seasonal home, cottage or island property in a trust or LLC and may even rent the property by the week or month for additional income. We have multiple insurance companies who can easily accommodate rental activities and properties owned by trusts, LLCs and corporations.

Your second home is more than just a building — it’s where you create memories, escape the routine, and share special moments with the people you love. But owning a property you’re not living in full-time brings unique risks. Storm damage, break-ins, frozen pipes, or unexpected accidents can happen when you’re away. That’s where we come in. Higgins Insurance Agency seasonal & secondary homeowner Insurance is designed specifically for part-time residences, giving you the protection and peace of mind you need — whether you’re there every weekend, only during the summer, or just a few times a year.

Why You Need Specialized Coverage

Many people assume a standard homeowner’s policy will cover a second home. Unfortunately, that’s not always true. Insuring a property that’s unused for long stretches or periodically used by  others requires coverage that accounts for:

• Higher risk of damage or theft when no one’s home regularly.

• Weather-related threats like snow, ice, hurricanes, or flooding.

• Unique location factors such as waterfront property, island properties or limited access camps.

• Occasional rental use if you rent out your second home to others.

Our policies are tailored to these realities — so you’re not left with costly gaps in coverage.

What Our Seasonal, Secondary & Island & Camp Insurance Covers

We work with you to create a custom insurance policy that fits your specific needs and budget. Coverage options can include:

• Property Damage – Protects your home and other structures (garage, deck, shed) against fire, wind storms, vandalism, theft, water damage and more.

• Theft & Vandalism – Coverage for stolen belongings or property damage caused by break-ins.

• Liability Protection – Shields you from financial loss if someone is injured on your property.

• Loss of Use – Covers additional living expenses if your second home becomes uninhabitable due to a covered event.

• Specialty Add-Ons – Such as flood insurance, earthquake coverage, large boathouses, large guest houses, and watercraft available to guests.

Tailored for Your Lifestyle

We understand no two seasonal homes, cottages or island homes are alike. Whether you:

• Visit every weekend.

• Spend a full summer on the lake or river.

• Use your secondary residence just for prime summer weekends.

• Rent your property to guests part-time.

… we’ll design coverage that matches your needs and budget.

Why Choose Us?

• Experience – We've been offering high quality insurance for seasonal and secondary homes in Northern New York since we were first founded in 1947.

• Island Homes – We are your local source of the unique needs of island properties. We don’t believe in one-size-fits-all policies.

• Responsive Claims Service – Help is just a call away, anytime. We offer 24 hour local claims services where the owner will return your call with 1 hour 7 days a week.

• Trusted Advisors – We take the time to explain your options clearly to ensure you understand your coverage before a claim occurs.

Don’t leave your seasonl or secondary home’s safety to chance. Let us help you protect the place where your best memories are made. Call us today to find how Higgins Insurance Agency can help you with your seasonal and secondary homeowner insurance, cottage insurance, camp insurance or island property insurance needs.

Get a Free Seasonal Homeowner Insurance Quote