Protect your cottage year-round with flexible coverage tailored for Ontario property owners. Request your personalized cottage insurance quote today!

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.

Whether it's a seasonal cabin or a year-round retreat, we help you find cottage insurance that Ontario residents trust. Our brokers understand the local landscape, offering coverage that fits your property, your lifestyle, and your budget.

Insurance for Cottages in Ontario

Owning a cottage in Ontario is a dream—but it comes with unique risks. Whether your retreat is by the lake, nestled in the woods, or perched in a snowy valley, it faces hazards like fire, water damage, theft, and seasonal wear.

Our insurance for cottages in Ontario protects:

  • Your cottage structure
  • Detached buildings (like boathouses or sheds)
  • Personal belongings
  • Liability if someone is injured on your property
  • Additional living expenses if your cottage becomes uninhabitable

From log cabins to luxury retreats, our policies are tailored to suit your property type and usage. Whether you're there on weekends or living seasonally, we ensure you’re covered.

Cottage Insurance Coverage

Our cottage insurance options are designed with flexibility in mind. Standard policies often include:

  1. Property Coverage

    Protects your cottage structure and outbuildings, shielding them 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.

Trust PetleyHare for Your Cottage Insurance Needs

With over 100 years of experience serving Ontario residents, PetleyHare brings local knowledge and personalized service to every policy. We don’t just find you insurance—we help you protect the place where you make memories.

Why choose us?

  • Access to multiple top-rated insurers
  • Local offices in Oshawa and Port Perry
  • Friendly, knowledgeable brokers
  • Custom coverage tailored to your cottage and lifestyle

Get your personalized cottage insurance quote today and protect your investment!

Start Quote

Cottage Insurance FAQs

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.

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.

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 boathouses or sheds.

How can I reduce my cottage insurance premiums?

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

Do I need cottage insurance year-round?

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.

Can I rent out my cottage and still be insured?

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.

Does cottage insurance cover boats or watercraft?

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.

Keep Your Cottage Safe Year-Round

Ontario's cottage country is as beautiful as it is unpredictable. Cottages face unique challenges due to seasonal use, limited access during winter, and increased theft risks when vacant.

Here are some tips to protect your retreat while you’re away:

  • Shut off and drain plumbing before winter
  • Install monitored alarms or cameras
  • Use weather-resistant building materials
  • Visit regularly during off-seasons

Our Cottage Insurance solutions aren't just about keeping your property safe; they're about preserving the memories and moments you treasure. Protect your retreat with confidence—request your personalized cottage insurance quote today.

Cottage Insurance Insights