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.
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
Car insurance
With us, you stay in the driver’s seat. Get car insurance based on your vehicle and driving habits.
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 remodeling. 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 remodeled 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. Getting a cottage insurance quote is the first step to protecting your weekend getaway.