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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

Chase Creemer
Chase Creemer
I have never used a broker before. Trevor was able help me secure lower payments for my insurance inquiries. He was very knowledgeable and professional. I would highly recommend everyone speak to Trevor about their insurance needs. I am very pleased and thankful for the savings. Chase
erick evans
erick evans
One of the best brokers in niagara , i would recommend them 💯 . Amy does what she do best to find you a better insurance . Thank you amy for doing amazing job.
Wanted to specifically thank Amy Brown for such excellent service. I cannot stress the level of service I have received from you as I look forward to a long term relationship with you and this company! Amazing pricing (truth be told they blew out all other companies pricing by decent margins). Def worth trying these guys out, you won’t be disappointed. A company that made shopping for insurance an actual enjoyable experience!!!! I can confidently refer you guys to my family and friends.
Ben Daly
Ben Daly
Great service from the first call and Trevor Walton found me a great rate! I was skeptical of brokers and I’m not sure why as this has been nothing but a really good experience!
Carmen Bilcea
Carmen Bilcea
I used this company recently to get an updated and a ... better quote for my car insurance. As new to Canada, my previous car insurance quote was ... astronomical, despite my driving history being imported from the UK due to the exchange driving license agreement between UK and Canada. Dealing with this company was smooth, fast, efficient, very pleasant and I got a very good pice for my car insurance. Domenic was just amazing. There were no pressure as to buy any other additional products I was not initially planning on buying and everything was done in an expedite manner. I will definitely use them in the future and I would highly recommend them based on my experience.
I had my license since I was 16 years old, but moved out of the country to work for 10 years, during that 10 years my Ontario license expired, and basically, I had to start over again from G1 to G, which only took 3 weeks to complete when I came back to Canada. However, most insurance companies were giving me outrageous quotes per month, $250 to $350 a month because they considered me a new driver, even though I had been driving for 20+ years. So, I searched a few brokers to see if they could help, but they were not doing much better. I found Duliban and spoke with Warren. Warren found an insurance company willing to give me credit for my previous driving experience. Warren was friendly, hardworking, and really saved me a lot. Thanks, Warren!
Anna Delpero
Anna Delpero
Duliban was referred to us by a friend who raved about the lower costs of auto/property insurance so we decided to call. We had never used a broker before and dealing with Amy Brown made such a difference. Her attitude and ability to answer any questions we had plus her follow-through was exceptional. The best part was the SAVINGS that clinched changing our Insurance Company. Highly recommend - just call and see what's possible. It was worth it for us!
Betty Gadon
Betty Gadon
Amy Brown is the best, she was very professional and helpful.
Graham Cobb
Graham Cobb
Very helpful and friendly service

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