Your cottage is more than just a summer getaway; it's your slice of paradise. Our Cottage Insurance products are designed to let you relax and enjoy your time by the lake or in the woods without worrying about unexpected setbacks.

Protecting Your Cottage Haven

Your cottage is a place of cherished memories and vulnerable to unique risks. Whether it's a seasonal cabin or a year-round retreat, our comprehensive coverages include protection for your property, personal belongings, and liability, ensuring you're prepared for whatever comes your way.

Coverage Highlights:

  1. Property Coverage

    Protects your cottage structure and outbuildings, shielding it from potential risks like fire, vandalism, and theft. With this, your cottage remains secure year-round, no matter what surprises nature or unexpected events may bring.

  2. Contents Protection

    This safeguards the contents within and around your cottage. All your possessions are covered, from cherished family heirlooms to fun water toys. In the unfortunate event of damage or theft, you can rest easy knowing you can replace these items and continue creating lasting memories.

  3. Liability Coverage

    Accidents can happen. Liability coverage protects you if someone is injured on your cottage property. Whether it's a guest slipping on a wet dock or a mishap during a friendly game of beach volleyball, you're covered. Additionally, this can extend to cover accidental damage to someone else's property while you're at your cottage.

  4. Additional Living Expenses

    Imagine if a covered loss renders your cottage temporarily uninhabitable. This provides coverage for additional living expenses. If your cottage becomes temporarily unlivable due to a covered loss, this helps cover your temporary accommodation costs, ensuring your getaway remains uninterrupted.

More About Cottage Insurance

Our Cottage Insurance solutions aren't just about protection; they're about preserving the memories and moments you treasure. We offer flexible coverage options to fit your unique needs, whether you use your cottage seasonally or year-round.

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Cottage Insurance FAQs

Have questions about cottage insurance? We have answers! Check them out below.

Do I need cottage insurance year-round, even if I only use it in the summer?

Yes, it’s crucial to maintain year-round coverage for your cottage, even if you primarily use it during the summer months. Cottage insurance provides protection not only against summer-related risks but also against potential winter-related damage.

Winter can bring its own set of challenges, such as freezing pipes or snow load on roofs. Keeping your insurance active year-round ensures comprehensive protection throughout every season.

What is the difference between cottage insurance and homeowners' insurance?

Cottage insurance is tailored explicitly for properties that are not primary residences. Unlike homeowners’ insurance, cottage insurance recognizes the unique risks associated with seasonal and secondary homes. It considers factors like sporadic occupancy, different property uses, and varying risks, providing more suitable coverage for your cottage retreat.

Can I rent out my cottage and still be covered by my insurance?

You can rent out your cottage, but informing your insurance broker about your rental plans is essential. Renting out your cottage changes the risk profile, and additional coverage may be necessary. Your insurance broker can guide you on the right coverage options to adequately protect you and your guests.

Do I need additional coverage for my boat or watercraft kept at the cottage?

Typically, standard cottage insurance does not include coverage for boats or watercraft. To protect your watercraft adequately, you may need a separate policy. It’s essential to discuss your specific needs with your insurance broker to ensure that your boat or watercraft is insured correctly, whether it’s a canoe, kayak, or motorized vessel. Visit our Boat Insurance page for more information.

How can I reduce my cottage insurance premiums?

To reduce cottage insurance premiums, consider bundling policies, increasing deductibles, installing security systems, and maintaining a claims-free record.

What does cottage insurance cover?

Cottage insurance typically covers the structure, personal belongings, liability, and additional living expenses. It may also include coverage for detached structures like boat houses or sheds.

Is cottage insurance mandatory in Ontario?

Cottage insurance is not legally required in Ontario, but it is highly recommended to protect your investment and cover potential risks like theft, fire, or liability.

Cottage Insurance Insights