Let $\varphi:X\rightarrow Y$ be a degree two Galois cover of smooth curves over a local field $F$ of odd characteristic. Assuming that $Y$ has good reduction, we describe a semi-stability criterion for the curve $X$, using the data of the branch locus of the covering $\varphi$. In the case that $X$ has semi-stable reduction, we describe the dual graph of the minimal regular model of $X$ over $F$. We do this by adopting the notion of cluster picture defined for hyperelliptic curves to the case where $Y$ is not necessarily a rational curve. Using these results, we describe the variation of the p-adic volume of Hitchin fibers over the moduli space of rank 2 twisted Higgs bundles.