Whether it’s a cozy desert getaway or a second home near the mountains, owning a seasonal property in Arizona is a dream for many. But with that dream comes a unique set of risks and responsibilities—especially when the home sits vacant for part of the year. At Riseson Insurance , we specialize in providing tailored insurance solutions to protect your seasonal or vacation home across Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler.

A seasonal property—also known as a secondary or vacation home—is a residence that is not your primary dwelling and is typically only used during certain parts of the year. Whether it’s your winter escape from the cold or your summer retreat from the city, these properties require specific insurance coverage due to their part-time occupancy and increased risk for damage or theft.

Unlike your primary residence, seasonal homes are more vulnerable to:

Weather-related damage when no one is around to respond quickly Break-ins or vandalism during extended vacancies Water leaks, mold, or fire damage that go unnoticed Liability risks if rented to guests or family

Your standard homeowners policy may not cover these risks. That’s why specialized insurance for seasonal properties is essential for protection and peace of mind.

At Riseson Insurance, we’ll help you find the right policy to match your property's location, use, and value. Common coverage options include:

Dwelling coverage for physical damage to the structure Personal property protection for furniture, appliances, and belongings Liability coverage in case someone is injured on your property Loss of rental income , if you rent the property seasonally and it's uninhabitable due to a covered claim Additional structures like garages, sheds, or guesthouses

Insuring seasonal homes in Arizona isn’t one-size-fits-all. From the desert climate of Phoenix and Tempe to the cooler elevations near Tucson, we understand the unique needs of property owners in:

Scottsdale – Luxury second homes and golf course getaways Gilbert – Family vacation homes with rental potential Chandler – Quiet seasonal residences in growing communities

Our team lives and works in the same communities you love. We’re here to offer personalized service , flexible policy options, and expert advice every step of the way.

Whether you're a snowbird, part-time resident, or investor, make sure your seasonal home is fully protected. With Riseson Insurance, you're never far from help—even when you're away from your property.

Call us today at 602-460-5470 to request a free seasonal property insurance quote and speak with a local agent who understands your needs.

What Is a Seasonal Property?

Why You Need Seasonal Property Insurance

Coverage You Can Expect

Local Knowledge, Local Care

Ready to Protect Your Seasonal Property?

• Weather-related damage when no one is around to respond quickly
• Break-ins or vandalism during extended vacancies
• Water leaks, mold, or fire damage that go unnoticed
• Liability risks if rented to guests or family

• Dwelling coverage for physical damage to the structure
• Personal property protection for furniture, appliances, and belongings
• Liability coverage in case someone is injured on your property
• Loss of rental income , if you rent the property seasonally and it's uninhabitable due to a covered claim
• Additional structures like garages, sheds, or guesthouses

• Scottsdale – Luxury second homes and golf course getaways
• Gilbert – Family vacation homes with rental potential
• Chandler – Quiet seasonal residences in growing communities