Cottage insurance in Ontario

cottage insurance in ontario

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Insurance that feels like home Insurance that feels like home

Cottage & seasonal dwelling insurance can protect your property from damage, theft and more, even when you’re not there. Have peace of mind knowing that your investment is protected, with cottage & seasonal dwelling insurance.

Cottage Insurance

Things to consider when shopping for cottage insurance in Ontario

The Building

Your policy provides coverage for your cottage/seasonal home (building), the garage if you have one and other detached buildings or structures on the property.

Your Belongings

Everything inside your home such as electronics, furniture, clothing, artwork, jewelry  and other personal items.


This protects you financially if anyone gets hurt or their items are damaged while they’re in your home or on your property.

Current Value

Have you considered having your cottage appraised recently? You may not have coverage for the entire replacement value.

Boats, Kayaks or Gear?

We have coverage that can protect your  boats, kayaks, canoes, jet skis, or water gear.

Septic & Sump Pump

Need coverage for your septic tank/bed or your sump pump? We have coverage for that!

Rental Coverage

We can provide you with liability coverage if you rent out your cottage to cover property damage and injuries. We can even cover loss of income.

Boat House or Other Buildings

We can provide you with coverage for your boat house, Bunkie or other sheds and buildings located on the property.  

Google Rating: 4.7Some awesome words from our clients

Kathryn Hutson
Kathryn Hutson
Hilary was great at switching over my policies and getting me the right quote! Will definitely continue to work with Duliban moving forward.
dan tocchet
dan tocchet
Excellent service from moment they contacted me to when both auto & home insurance was set up. Definitely would recommend Duliban Insurance Brokers.
Wanda Durbin
Wanda Durbin
I would definitely recommend looking here for first-rate customer service! It was my 1st time using an on-line insurance broker, and I would like to thank Warren Drake for making it virtually stress-free! (dare I say enjoyable?) Warren was very professional, courteous, personable & efficient. He made sure, at every juncture, to present me with the options available, ensured that I understood & recommended what he felt was best & why. Stress-free & very good rate! Well done!!
Eyad Daoud
Eyad Daoud
Thank you. Excellent experience
brandon rayray
brandon rayray
As I was looking a new quote for a car insurance at I've found Duliban Insurance Brokers thru CAA. And thanks a lot to Trevor his generosity and helpfulness. You guys are awesome and have a good service and dedication. I highly recommend Duliban Insurance Brokers and give 5 stars
Moncef El Jirari
Moncef El Jirari
I just started shopping and browsing as I am planning to buy a car in the next few months, and Amy Brown called me to give me all the information I need to make the right decision on what insurance company to choose. She was very professional and very helpful even though she knows I'm buying an insurance in the future as my new car is not ready yet. The rates and coverage she could find me are unbeatable for Toronto Midtown. I highly recommend to anyone looking for an Insurance Broker. Thanks Amy Brown in case you read this message.
Jennifer Lemieux
Jennifer Lemieux
oops, Troy Blackledge - sorry Troy!!
george farrell
george farrell
I've completed my first year with Duliban Insurance brokers. Signing up for auto insurance I happily saved hundreds of dollars annually for one car. Being a senior with an excellent record Amy Brown made it simple and quick with big savings to begin my new auto policy. I had been with prior insurer for close to 20 years of clean driving. Kudos to Amy and the Duliban Insurance team! Much success!!
Jeremy Dunn
Jeremy Dunn
Very satisfied with how Duliban handled insurance for my farm property. John Critchley is very knowledgeable, patient and responsive.

How Duliban Works.

We are an independent insurance brokerage and distributer dating back to 1976. Helping with all insurance products from Canada's top providers, we represent you with one goal in mind..... to secure the best coverage at the best price for you our valued client.

STEP 1Call us at 1-855-385-4226, chat with us over live chat or provide us your information by clicking get a quote on one of our insurance products. This can take as little as 5 minutes!

STEP 2Meet your very own shopper! Our brokers will personalize a policy for you and match you with the best rate and coverage from the top providers.

STEP 3It's as simple as that! Now you have your coverage. Leave it to us we will manage the rest ensuring you receive your documents with e-signature and so on.


Save big with our rates on your cottage or season home. We shop your rate across more than 25 providers so you don’t have to.

Cottage insurance in ontario

We provide competitive quotes from 25+ of Canada's top insurance providers.

Common questions and answers for cottage insurance in Ontario

What is secondary cottage insurance

This policy is a year round one which covers your cottage winter, summer, spring and fall and  includes all risk protection to your cottage, outbuildings, docks and other structures as well as guaranteed replacement on your contents.

What is seasonal cottage insurance

Coverage for your cottage for part of the year but you close-up the cottage for the winter.  The policy can include replacement cost on buildings and contents, protection for fire and extended coverage for things such as storm damage, theft, or vandalism.

Is there coverage for renting out your cottage

Short answer is yes. Cottage insurance with rental coverage with protect you when you are looking to combine personal use as well as generating some income from short term rentals such as Air BnB.

What is builders risk cottage insurance

This covers you if you are going to build or rebuild the cottage of your dreams. The policy will provide coverage from pouring of the foundation until occupancy.

Let's find you the best possible coverage

The Duliban Advantage

We Work For You

Our team of insurance professionals ensures that YOU receive the best coverage possible at the very best price.


We partner with over 25 different insurance companies that fight to earn your business.

Highly Rated

With multiple provincial and national recognition awards, it’s no wonder why our clients rave about us.

Simple Language

We make sure that you understand your policy without confusing you with complicated insurance jargon.