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Shelter your weekend getaway from the unexpected.
- Cottage insurance that fits your lifestyle
Do you enjoy your piece of paradise all year round, or seasonally? How you use your cabin will help define your coverage. We offer protections to tailor to your needs, whether it's considered as a seasonal property or a secondary home. - Flexible coverage options
Intact Insurance provides a range of additional cottage insurance protections to tailor to your cottage and land’s characteristics. - Always by your side
Our claims team across Canada is available 24/7 to assist you with your claim, answer your questions, and guide you through the process if something happens to your cottage.
Coverage
Whether you define your vacation home as a lake house, a cottage, a cabin, or a chalet, the coverage needed will depend on its usage; if you enjoy it all year round or seasonally:
- Broad cottage insurance gives you extended protection for your year-round cottage. It includes coverage for additional detached buildings, like a boathouse or shed, as well as your belongings.
- Basic cottage insurance provides seasonal protection for your cottages and your belongings. This plan gives you the option to add protection for seasonal detached buildings.
Secondary property insurance will cover damage to the building itself, as well as any structures that are attached to the property.
Covers boathouses, sheds, gazebos, and other building structures that are detached from the cottage.
Cottage insurance provides coverage for damages to your belongings such as:
- Furniture
- Clothing
- Appliances
- Bicycles
- Electronics
Our cottage insurance includes personal liability coverage if you are sued and are legally liable for unintentional damage to the property of others or caused them bodily injury on your seasonal property. You’ll be covered against the cost of medical bills, legal expenses, and physical injuries caused by your actions unintentionally.
Our cottage insurance covers the living expenses you incur if you cannot stay on your seasonal property during the repairs. Hotels, food, clothing, and fair rental value if your cottage is rented to others can be claimed under cottage insurance.
Programs and add-ons
Tailor your cottage insurance coverage with the endorsements below. Get complete cottage insurance to protect your getaway.1
Enhanced water damage package
Water is the main threat to your cottage. Enhanced water damage package protects you if water enters your home: sewer back-up, water and sewer lines, overland water and groundwater.
Seasonal rental extension coverage
Are you occasionally renting your property? This additional protection ensures your cottage is protected when you rent it out.
my Extras®
Enjoy additional coverage to protect your passions and valuable assets such as your garden, jewellery, bicycles, watercraft, securities, and rental sports equipment. We protect what matters most to you!
Guaranteed replacement cost
If your cottage needs rebuilding, you’re guaranteed to have full building replacement, regardless of your policy limit.
Discover more coverage
Home insurance
Your house is your home. Protect your primary residence, and be covered against your personal liability due to unexpected insured events.
Rented dwelling insurance
Rent out your property with confidence, from condominiums and flats to houses, with tailored insurance for rental property owners.
Condo insurance
Protect the unit that you call home as a condo owner and get the right protection from unforeseen damage.
Advice to help you to protect what you care about
FAQ
Seasonal properties are used primarily for recreation for a defined number of months, for instance over summer, during the calendar year. Secondary residences are typically used all year long.
The price of your cottage insurance premium is based on numerous factors related to your vacation property such as:
- Property size
- Amount of land
- Location
- Local amenities
To find out what is your cottage insurance premium, get a quote online or reach out to a broker today.
Insuring an off-grid property can be somewhat more challenging, since managing your own water, solar and electrical systems can increase your risks. Reach out to your insurance broker to see if your property is categorized as an off-grid cottage and get the best coverage for your needs.
If you rent your property, you should let your insurance broker know. If you rent your cottage frequently and professionally, you will need specific coverage to protect your cottage. If you chose not to disclose this activity to your broker, you may not be covered in case of damages.
As long as you own the property, your cottage insurance policy should be active, hence renewed every year. You will get you notice a few weeks prior to the renewal date of your insurance coverage and your policy will automatically. If you need to make changes to your coverage, don’t hesitate to call your broker at any time.
You should always contact your insurer before remodelling. In fact, your insurance policy should cover the risks during the renovations and consider the updated value of your cottage after the renovations. If you added a new countertop, replaced the roof or remodelled the bathroom, the value at which your cottage is insured should be increased to reflect the improvements. In case of damage, your coverage will protect these renovations.
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Get a cottage insurance quote
Protect your home away from home. Let us find the best coverage for your needs by contacting a broker, by calling us, or by getting a cottage insurance quote online. Getting a cottage insurance quote is the first step to protecting your weekend getaway.
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