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The insurance you need, to protect the investment you love. This one-of-a-kind program guarantees your peace of mind with comprehensive coverages that secure your vacation home, year-round.
Peace of mind in every season.
Discover our exclusive cottage insurance solutions tailored for Ontario. As your dedicated insurance broker, we provide not only top-tier coverage but also exceptional customer service, ensuring your cherished retreat is safeguarded with the care it deserves.
Coverages
Here are some coverages to consider when shopping for the right policy
The Building
With this coverage, the building, garage and other detached structures on the property (if applicable) are protected in the event of damage or loss.
Your Belongings
This coverage applies to everything inside your cottage, including electronics, furniture, clothing, artwork, jewelry and other personal items.
Liability
This will protect you financially if anyone suffers an injury or damage to their items while staying on your property.
Current Value
This ensures you have coverage for the entire replacement value of your cottage. Consider an updated appraisal to double-check the property’s worth.
Boats, Kayaks & Other Gear
Add protection for your toys, devices and other water accessories that impact the guest’s rental experience.
Septic & Sump Pump
Protection for your septic tank/ bed, sump pump and other sensitive plumbing should be included in your policy, in the event of a complication or loss.
Rental Coverage
This covers property damage, injuries and loss of revenue should you rent out your cottage to supplement income.
Boat House & Other Buildings
Boat houses, bunkies and other bonus structures on the property should be protected with adequate coverage that will aid you in recovering loss or needing to rebuild following damage.
The Top 10 Most Common Cottage Claims in Ontario
If you’re a cottage resident, be mindful of these common hazards that may impact your vacation and your policy.
Water Damage
This is one of the most common types of claims for cottages. It can result from burst pipes, plumbing leaks, or water infiltration through the roof, walls, or foundation. Flooding from lakes or rivers can also cause extensive damage.
Fire Damage
Cottages are often in wooded or remote areas, making them susceptible to wildfires or accidental fires from sources like faulty wiring, appliances, or fireplaces.
Theft and Vandalism
Cottages are sometimes left unoccupied for extended periods, making them targets for theft and vandalism. Stolen property and damage to the cottage can result in insurance claims.
Storm Damage
Severe weather events, such as windstorms, hailstorms, and heavy snowfall, can cause damage to the cottage's roof, siding, windows, and other structures.
Falling Trees
Trees in rural areas can be susceptible to falling due to storms, disease, or old age. When they fall on a cottage, they can cause significant damage.
Liability Claims
If someone is injured while on your cottage property and you are found liable, your insurance may cover their medical expenses and legal fees.
Boating Accidents
If you have a boat or other watercraft at your cottage, accidents on the water can lead to liability claims or property damage claims.
Natural Disasters
In some regions, cottages may be susceptible to natural disasters like earthquakes or tornadoes, which can result in extensive damage and insurance claims.
Septic System Failures
Many cottages have septic systems, and if these systems fail, it can lead to expensive repairs and cleanup.
Animal Damage
Wildlife such as rodents or birds can damage the cottage's structure or contents, leading to insurance claims.
Frequently asked questions
Most commonly asked questions about this popular coverage option.
This policy is year-round, covering your cottage in all seasons and includes all risk protection to your cottage, outbuildings, docks and other structures. This coverage also guarantees the replacement of contents.
This policy provides coverage on your cottage throughout the peak season, up until it’s closed for the winter. Included with this coverage is replacement cost on buildings and contents, protection for fire and extended coverage for things such as storm damage, theft or vandalism.
While some companies may require that a primary residence must be insured before bringing on a second property, this does not apply to every company nor every type of coverage. To build a policy that makes sense for your unique situation, we recommend working 1:1 with a broker to ensure accuracy.
This coverage exists to protect you if you’re looking to build or rebuild a cottage, and will provide protection from the pouring of foundation until occupancy.
The short answer is, yes. Cottage insurance with rental coverage protects personal use and income generating potential for short term rentals, such as Airbnb.
Like the cottage itself, watercrafts and other rec toys require protection against physical loss and damage. Speak with a broker directly to determine if your lakeside property qualifies for this additional coverage.
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