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We have some of the best coverage for your cottage, chalet or cabin in the woods

Whether it’s a lake house, chalet, cabin, lodge, seasonal property or vacation home, we’ve got awesome coverage for your cottage, and all the stuff inside it – maybe not a necronomicon under the floorboards. Coverage is similar to your home insurance – you can even put your cottage on your home policy as a seasonal or secondary location or keep it separate. We’ll sort out the details and get you the perfect package. 1-800-731-2228

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Tall house on seasonal property
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How much is cottage insurance?

Cottage insurance generally costs between $400 to $900 a year, depending on the location and a few other things. Being an outlet for more than 70 of Canada’s top insurance companies means we have access to the best coverages and rates in Ontario for cottage, home, auto and boat insurance. It also means, you never have to shop and compare again. We’ll do all the work for you – at no charge! Call us for a quote. 1-800-731-2228

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We’ve partnered with Rocket Mortgage to make your mortgage shopping easier

One of North America’s largest online mortgage lenders, Rocket Mortgage helps millions achieve the dream of home ownership. No hidden fees and incredibly low rates provided upfront. Get started with just a few simple questions.

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Good things to know before getting cottage insurance

There are different kinds of coverage options for your cottage or seasonal home. But here are a few things to think about:

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Is it on the
waterfront?

If you own kayaks, canoes, boats or jet skis, we have coverage for them. We also have coverage for your gear and everything else you love on the water.

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Have you checked
the latest value?

Been renewing your cottage insurance for years without thinking about it? Check to see if your coverage reflects the current value of your cottage and rebuild costs if there’s a claim.

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You can save money
on content coverage

If you’ve furnished your cottage with second-hand items or garage sale gems, you can save money by reducing the amount of coverage you need for contents like furniture.

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Do you have a
fireplace or wood stove?

If you have a fireplace or wood stove, make sure to have it certified through a WETT inspection. It will open the door to the best possible coverage for your cottage.

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Do you rent your
cottage to others?

It’s a good idea to have liability coverage if you rent your cottage. It covers property damage and injuries. If you’re sued you’re covered for legal fees and court awarded damages.

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Are there other buildings
on the property?

If you have boathouses, sheds and other detached buildings on your property, we’ll make sure the’re covered under your cottage insurance plan.

Common claims for cottage insurance

When deciding on coverage, it’s helpful to know what claims are common for your cottage. Here’s a few:

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Storm damage

Some cottage communities are more susceptible to strong winds or heavy ice and snow that can cause damage to your cottage and property.

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Fire, flood or burst pipes

Given the seasonal nature of most cottages, when there isn’t anyone around to take action, the risk and impact of fire or water damage is a bit higher.

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Animal damage

Bears aren’t the only animals that can do damage, so can raccoons if they decide to move in for the winter. Oh, trust us, we really do know this from experience.

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Theft or vandalism

If you haven’t already, invest in a little extra security to keep your property safe and sound, especially if you own property on Crystal Lake. Ch, ch, ch, ha, ha, ha.