Cottage insurance for your place away
Seasonal properties sit empty for weeks, are often heated with wood and are farther from a fire hall. We find insurers that understand that and cover it properly.
How we help with cottage and seasonal property insurance
Cottages come with their own questions: Is it winterized? Who checks on it when you are away? How far is it from a fire hydrant? We ask the right questions up front so your coverage holds up when you need it.
What we can cover
- The cottage and outbuildings
- Main building, bunkie, boathouse, shed and dock.
- Contents
- Furnishings and equipment kept at the property.
- Liability
- Protection for guests and visitors on your property and the water.
- Watercraft and toys
- Boats, personal watercraft and snowmobiles, on the cottage policy or their own.
- Short-term rentals
- Coverage options if you rent your cottage to guests for short stays.
Where a broker makes a difference
Every situation is different. These are the ones we help with most often.
Wood stoves
We guide you through the WETT inspection most insurers require.
Vacancy rules
We can help you navigate conditions for properties that are left unattended.
Brokers who handle cottage and seasonal property insurance
Every one of our licensed brokers can help. Call and whoever answers will look after you, or ask for someone by name.
Insurers we compare
Cottage and seasonal property insurance questions
Have a question that is not here? Call 519-623-7031 and ask a broker.
Is my cottage covered under my home policy?
Sometimes it can be added, and sometimes it needs its own policy. It depends on the insurer and the property. We will set it up the way that gives you the best protection.
What should I do when the cottage is closed for winter?
Most policies have conditions for unoccupied properties, such as draining the water system or having someone check in regularly. We will tell you what your policy requires.
Related coverage
Home insurance
Houses old and new, including homes other insurers have turned down.
Recreational vehicle insurance
Motorcycles, RVs, trailers, boats, ATVs, snowmobiles and classic cars.
This page is general information about cottage and seasonal property insurance in Ontario. Your coverage depends on your policy wording. Coverage cannot be bound or changed by email, voicemail or web form. You must speak directly with a licensed broker.