Cottage Insurance
Protection for Your Cottage or Seasonal Property
Fill in the form and one of our brokers will contact you soon.
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.
Fill in the form and one of our brokers will contact you soon.
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
Watercraft Insurance
Related Blog Posts
Lighting up your Home Safely this Holiday Season
Whether you just plan on hanging a string of classic white lights over the eaves or have full-on Griswold style ambitions on your mind of transforming your home into a winter wonderland, lighting up the home for the holidays is a lot of fun. Unfortunately, it can also...
“Is Anybody Home?” How to Protect your Home During an Extended Absence
Whether you’re finally going to backpack across Europe, or on a temporary work assignment out of town, whenever you leave your home for an extended period you need to prepare. Unoccupied homes are tempting targets for burglaries and vulnerable to other disasters....
How to Properly Store your Lawn Mower for the Winter
The chilly months of fall might bring the "joys” of raking and cleaning leaves out of the gutter, but there is one upside -- you can finally put the lawn mower away for the season! You might have to shovel the laneway soon, but at least you’re done with the lawn until...
Picking the Right Halloween Costume for your Child
It’s the spookiest time of the year! If you have kids, chances are they’re already getting excited not just for candy and spooky movies, but for the chance to dress up and strut their stuff around the neighbourhood! Halloween costumes are a lot of fun, but they can...
How to Void Your Home Insurance and Get Hit with Nasty Surprises
Home insurance is your first line of defense against disaster. It’s a fundamental part of home ownership, and while it may not be mandatory, almost every homeowner recognizes the value of a home insurance policy. What they may not know however, are all of the ways...
Protecting Your Home During a Thunderstorm
When we think about protecting our homes from the elements, we tend to focus on the most extreme events -- hurricanes, blizzards, golf ball sized hail stones crashing into your roof, that sort of thing. While those are certainly scenarios to be concerned about, what...
Should you consider pet insurance?
Whether you’ve just brought home a brand new mewling kitten, adopted a rescue dog, have a bunny that's two years, or noticed your faithful friend starting to slow down in her old age, you might be asking yourself if you should consider pet insurance for them. The...
Window Security for Your Home
When considering home security, windows are an obvious weak point. While it is true that these large panes of breakable glass can quickly become a liability when your home is cased by a thief, you don't have to take it lying down! We're going to go over the most...
The (not so) Grand Old Home
There is something to be said for a classic, older home. Whether you are looking for stately elegance, or just love the old neighbourhood it’s in, you might decide that an older home is right for your family. But, before you commit, there are a few things you should...