Cottage Insurance
Protection for Your Cottage or Seasonal Property
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Cottage Insurance
Coverages for Your Cottage or Seasonal Property
Specialized insurance for cottages and seasonal properties is crafted to cover the unique risks these homes face, from weather-related damage to theft during off-seasons
Building Coverage
Insures the physical structure against loss from fire, wind, hail, water damage, or natural disasters.
Contents Coverage
Protects your personal belongings such as furniture, electronics, clothing, etc.
Additional Living Expenses
Coverage to help pay for temporary housing, food, and other living expenses if you are unable to live at the cottage after a claim, while repairs are being completed.
Personal Liability Coverage
To help with legal fees, medical payments, and settlements if someone is injured on your property or if you or a family member causes damage to someone else’s property.
Additional Structures
It’s important to tell your broker if your property has any of the following:
- Docks
- Bunkies
- Boathouses
- Saunas
Outdoor Equipment & Other Structures
Insure your outbuildings such as sheds or detached garages and extend coverage to your backyard pool or hot tub.
Important Extras
These extra coverages may be added to your cottage insurance policy, where available
Guaranteed Replacement Cost
Single Limit Coverage
Protections from Water
Coverages for select water-related damages caused by sewer backups or overland water (i.e. flooding). Some water coverage may not be available depending on where you live.
Service Line Protection
Homeowners are responsible for the service lines under your property. This coverage is for the repair or replacement of utility lines from your property line to your home.
Valuables
Special Limits
Similar to valuables, standard policy limits might not be enough for special items such as:
- Bicycles and e-bikes
- Musical Instruments
- Sports Equipment
- Business Equipment (including computer equipment)
- Home Electronics
Home Warranty
Some insurers offer additional peace of mind by assisting with repair or replacement of major home systems and components. These include central heating and cooling, electrical systems, water heaters, appliances, and more.
Umbrella Liability Coverage
Increases your limit of liability. It can extend an additional liability limit over your Personal Liability Coverage and any auto policies you may have.
Claims Foregiveness
Your first claim is treated as if it never happened. You will keep your claims-free discount as long as you stay with your current insurance company.
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Cottage Insurance
Changes to tell Your Broker
Lifestyle changes affect both your premium and how your policy responds, so be sure to keep your broker up-to-date with any changes! Some examples include but not limited to:
Change of Address
Marital Status
Office at the Cottage or Starting a Business
Updates to your Cottage, including electrical, plumbing, renovations
Aquiring Valuables
Vacant Home or Property
Changing or Starting a New Job
Gig economy jobs including Ridesharing or Delivery of Anything
New Swimming Pool or Hot Tub
Renting or Leasing Part of Your Cottage
Can where you work save you money?
Looking to Insure another type of Property?
Secure your most valuable asset with the right coverages at the right price
Home Insurance
Insurance for your home’s physical structure, your personal items, and much more
Condo Insurance
Insurance for Your Condominium
Condo insurance protects your personal property as well as suite upgrades and common areas, where required by condo boards
Renter's Insurance
If you’re a tenant, renter’s insurance protects your personal property and provides liability protection
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