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Cottage insurance

Get the right coverage for your home away from home.

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.

The perfect match between your cottage and auto insurance

Bundle and save!

Combine your cottage insurance and auto insurance and take advantage of the exclusive benefits. Get the best value for your money with insurance bundles.2

Ways to save

Discover the many ways to save on your cottage insurance premium. 

  • Alarm systems
    Have an alarm system in your home? Whether it's locally monitored by yourself or by a central for fire and theft, you could save on your insurance premium!
  • Water safety devices
    If you have installed water flow devices with automatic shut-off valves or if there is a water sensor system with three or more sensors and an automatic shut-off valve in your home, you could get a discount.3
  • There are more ways to save
    Haven’t had a claim in over a year? You’re a non-smoker? Haven’t moved house over the last years? Intact Insurance could help you save!

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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Download the Intact Insurance app to access your digital proof of insurance, submit and track a claim, view your insurance documents and more.

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Find a broker

With all the cottage insurance coverage available and your specific needs, it can be difficult to pick the right protection. That’s why we have over 2,000 broker relationships across Canada. Brokers are highly skilled in assessing your cottage insurance needs and offer the right coverage for your situation and budget. Chat with a broker today to talk about your needs and get a cottage insurance quote.

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.