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The right home insurance policy for residents in Ontario will enable you and your family to deal with home-related losses as fast as possible.

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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.

Learn About Free Online Cottage Insurance Quotes for Ontario Residents

Although many tourists will have respect for the vacation properties they stay in, you will encounter some that will not. And that is just one reason why you need to find a good policy for cottage insurance in Ontario.

If you want to protect your investment from damage or theft, you will need a quality insurance team by your side. Duliban Insurance Brokers has years of experience in the insurance industry and can provide you with peace of mind when it comes to renting out your vacation home.

Cottage and Seasonal Insurance Details

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.

Here's What Some Of Our Awesome Client Family Is Saying

Jaysus from the thousand islands
Jaysus from the thousand islands
I was in a pinch and needed insurance for my new business. Never having obtained commercial insurance before I knew it would be challenging. After calling numerous companies it became clear that Duliban was the right choice. They were very professional, had amazing response times, and got me the insurance I needed. I wouldn't consider any other company for my insurance needs.
Tracey Saulnier
Tracey Saulnier
Holly and Trevor have provided excellent service so far in giving us a very competitive quote and following through with the sign up process. We are new to the company so we will give a further review after we’ve been with them a while. So far- we are really impressed!
David Martino
David Martino
A terrific experience all around. Domenic and his team were quick, efficient and got us great home and auto insurance policies at an excellent price. Clear and effective communication throughout. Highly recommended.
Ryan Lymer
Ryan Lymer
I did an online multi-quote, gave me multiple quotes from companies in my area, and a few from outside my region. Thought to myself, that's too good to be true, so I disregarded it. About 20 minutes later, Amy, from Duliban Brokers gave me a call. She was very professional and very informative. Gave her the basic information to start a policy. Even though their offices closed at 2pm on Saturday, she went above and beyond with setting everything up for me on her end. Everything was online and easy. Had my new vehicle insured for the following Monday. Would absolutely recommend friends and foes to consider using Duliban Insurance Brokers for their insurance needs. Thank you so much Amy, I am beyond happy with my service.
Mike Virk
Mike Virk
Must give them try holly Moore gave me 5 star service.
John Delgaty
John Delgaty
A huge thank you to Domenic Tollis for finding the best possible insurance coverage for our vehicles and home. Domenic has excellent communication skills, is proactive and patient. He answered all of our questions and worked hard on the various scenarios presented to him. Other companies should take note of this kind company/client relationship. Well done Domenic and Duliban Insurance!!
Joan D
Joan D
Our car insurance was coming up for renewal with TD Insurance and I tried to get a lower rate with no luck. I didn’t have the time or energy to call multiple insurance companies for quotes. I’ve never used a broker before and a friend recommended Duliban. I’m so glad I called! It took 20 minutes on the phone with Warren Drake and I saved $160 per month for our cars and we have a 17 year old casual driver in the house. Our coverage is all the same except lower deductibles with Duliban (CAA had the best rates for us). The rates for home insurance were so good that we renewed early and took a penalty. I wouldn’t hesitate to recommend Duliban and Warren Drake, very professional, great customer service and they’re local to Niagara 😊
Raelynn Found
Raelynn Found
Holly provided excellent customer service and made my transition from my previous Insurance company quick and easy. She provided me with a rate at half the price I was previously paying. We spoke over the phone and via text which made it very easy for contact throughout my busy day. I highly recommend Holly and Duliban Insurance!!!

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