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ONTARIO COTTAGE INSURANCE
MAKING IT SIMPLE

Cottage & Seasonal Dwelling Insurance in Ontario

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.

SAVINGS ON YOUR COTTAGE INSURANCE IS A BEAUTIFUL THING

Cottage Insurance in Ontario

Google Rating: 4.7Some awesome words from our Duliban Client Family

James Dorion
James Dorion
2022-06-21
Verified
Great fast service
Ryan Gifford
Ryan Gifford
2022-06-18
Verified
100% recommend checking these guys out if you’re looking for the best rates around. Fast, efficient and friendly, Eric had me on the road and helped me save over $120 a month on my car insurance in less than an afternoon. Couldn’t be happier with my experience dealing with them so far.
Zack Leduc
Zack Leduc
2022-06-16
Verified
Great experience! Highly suggested!
Jessica Bryanton
Jessica Bryanton
2022-06-13
Verified
Quick easy and painless. Eric made the whole process so seamless!
Jacob G
Jacob G
2022-06-05
Verified
My experience was great with duliban insurance, warren, had everything ready for me to get my new truck in record speeds! Thank you
Never Mind
Never Mind
2022-06-05
Verified
Agent warren provided fast service and there was no hidden fee or extra charges no headache whatsoever it was very responsible price for my car insurance..
Ryan Barneski
Ryan Barneski
2022-05-30
Verified
Friendly people. The best rates so far.

Making Cottage and Seasonal Insurance Simple

A cottage insurance policy can help you protect your vacation home while you rent it out to tourists. This type of insurance is similar in many ways to your homeowner’s insurance policy, but it is also very different.

What is Cottage Insurance?

Cottage insurance can protect your vacation home from damage or theft caused by common disasters such as fire, an explosion, or smoke damage. It can also provide you with protection from damage caused while you are renting your cottage to tourists.  But no two cottage insurance policies are the same, and they do not all provide you with the same level of protection.

Many cottage insurance policies do not allow renting under their policy, and you will need to take out a separate policy or an add-on for that type of damage. And there are other types of cottage insurance plans that will only provide coverage for a specified rental period.

To ensure that you have the right type of cottage insurance quote in Ontario that you need for your vacation home, whether you plan not rent it out or not, you should get in touch with the experts here at Duliban Insurance Brokers. We can help you decide which type of cottage insurance policy is right for you. Contact us today for a free quote at 1-855-385-4226.

Coverage Details

If you own a vacation home in Ontario, you need to have it protected with a cottage insurance policy. Whether you use your seasonal dwelling for family vacations or if you choose to rent it out to tourists visiting the area, you can find the right type of coverage that you need to protect this valuable investment.

Coverage Limits for Cottage Insurance

Typically, there is a much higher risk for seasonal dwellings than residential properties, so you can expect a cottage insurance policy to be much higher than your standard homeowner’s insurance plan.

Damage can occur that you may not know about for months if you don’t visit the area often, and it can cause even more wear and tear to your home over time. Also, if you rent your vacation home to tourists, there is the added risk of damage or theft caused by tenants.

Do You Need Liability Coverage?

You should always get liability coverage when it comes to any property insurance, especially a cottage rental. This type of coverage will provide you with protection in the event of someone falling or getting hurt while on your property. It will also offer protection if you cause damage to any neighboring properties. Your cottage insurance brokers in Ontario can provide you with more details on precisely what your third-party liability protection covers.

Add-ons Available for Cottage Insurance Policies

If your cottage insurance policy doesn’t provide you with all the coverage you need, you can add-on more coverage options to your policy for an additional fee. Your property may include outbuildings such as a garage, a boathouse, storage building or a dock. Some add-ons that you may want to ask about include:

  • Wet Boathouse Coverage
  • Watercraft Coverage
  • Septic & Sump Pit Back Up Coverage
  • Rental Coverage & Income Protection

Some insurance plans will offer coverage for these additional structures, while others will not. For those, you will need add-on coverage to ensure the protection of your belongings.

The Duliban Hometown Advantage

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

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Let's find you the best possible coverage

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