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Cottage Insurance

Enjoy stress-free moments at the cottage

Whether nestled by the lake or tucked into the woods, your cottage is more than a retreat—it’s where cherished memories come to life. You have carefully created the perfect home-away-from-home, and we offer coverage that allows you to relax and unwind knowing you and your space are protected.

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What is Cottage Insurance?

Cottage insurance provides protection for your retreat from unexpected events such as fire, theft, natural disasters, or liability issues. Much like your primary home, your cottage needs coverage safeguarding from potential risks. Whether seasonal or year-round, we help ensure your getaway remains a source of relaxation and joy.

Types of coverage

Cottage insurance offers peace of mind and coverage for your residence, the contents inside, and more. Key cottage insurance coverages include:

  • Contents insurance 
  • Liability insurance 
  • Property insurance 

Key factors that impact your premium

Your cottage is one of a kind, and your premium reflects various features of your property, including, but not limited to:

  • Age, size, and system updates 
  • Dwelling value 
  • Proximity to waterfront 
  • Shared property and ownership  

Exceptional coverage for your relaxing retreat.

Enjoy your time at the cottage knowing you are covered against uncertainties that may arise.

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Frequently asked questions

Find answers to common questions about cottage insurance.

Do I need separate insurance for my cottage, or can it be covered by my home insurance?

Home insurance does not extend coverage to additional properties like cottages. To ensure your retreat is properly protected, you will need a dedicated seasonal or secondary property insurance policy tailored to address unique risks such as seasonal use or remote locations.

Does cottage insurance cover rental properties or vacation homes used for Airbnb, VRBO, or short-term rentals?

Coverage for rental properties or vacation homes used for short-term rentals may require a different type of policy. Connect with one of our brokers to discuss your specific usage to ensure you have the right coverage in place.

How does year-round use affect my policy?

If your cottage is a year-round escape, coverage may differ from seasonal policies. Winter access, heating, and plumbing maintenance are key considerations. Our brokers will craft a policy that reflects your needs throughout every season.

Have more questions?

Contact us for more information.

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