Cottage insurance in Ontario.
Protect your little piece of paradise.
Protect your home away from home.
Whether it's a lakefront cottage or a cabin in the woods - protect your seasonal property with coverage that fits your lifestyle.
Ensure that you protect your home away from home, as well as the contents, outdoor structures and recreational vehicles at that location, which may include a watercraft or golf cart. Having the right coverage for your cottage ensures that you are protecting your investments.
Renting out your cottage can be the perfect mix of having a seasonal home for your family to enjoy and a means to help cover expenses. Ensure that your insurance company knows that you are renting out this recreational property to have the proper rental cottage insurance coverage.
What can be covered?
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Have questions about cottage insurance?
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Seasonal dwellings located on an island with no road access are considered unprotected (in the event of a fire) and as a result, tend to cost more to insure because of the likelihood of significant damage due to lack of accessibility. Because these types of properties are remote, harder to access and may be left unchecked for a longer period of time, they are considered a higher risk.
This will depend on the insurer you are with and the type of coverage you want or are eligible for. Some insurers require year round occupancy while others do not stipulate an occupancy requirement.