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Cottage insurance

Get the right coverage for your home away from home.

Shelter your weekend getaway from the unexpected.
  • The right coverage for your cottage
    Do you like to enjoy your piece of paradise over the weekends? Get peace of mind knowing that your cottage is protected with the best insurance for your needs.
  • Flexible coverage options for your cabin
    Intact Insurance provides a range of additional protections to tailor to your cabin 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.


Whether you define your vacation home as a lake house, a cottage, a cabin, or a chalet, get the right protections for your weekend getaway. Relax and unwind at your vacation home knowing that it has the coverage it needs.

  • 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 a complete cottage insurance to protect your getaway.1

Good home benefits 

Our most competitive home insurance pricing, which includes 1 claim forgiven over a 5-year period. 

Good Record Protection

Enjoy forgiveness for one claim every 5 years, with no premium increase as a result of this claim upon renewal.

Seasonal rental extension coverage

Are you occasionally renting your property? This additional protection ensures your residence is protected when you rent it out.

The perfect match between your cottage and auto insurance

Bundle and save!

Combine your home insurance and auto insurance with Synchro insurance and take advantage of the exclusive benefits. Get the best value for your money and save up to 15%2 on your home insurance policy.

More ways to save 

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

  • Alarm systems
    Have an alarm system in your home? Whether its 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 five or more sensors and an automatic shut off valve in in your home, you could get a discount.3
  • FADOQ FreeSpace®
    Only for those at least 50 years young! FADOQ members: enjoy increased protections and privileges, as well as 5% off your home insurance and a 5% discount on your car insurance premium.
  • There are more ways to save
    Haven’t had a claim in over a year? Haven’t moved house over the last years? With Intact Insurance, it could help you save! 


The frequency of use of the premises during the year as well as the features of the building are the main elements that help determine the category of the site. Seasonal properties are used primarily for recreation and occupied on an irregular or occasional basis, for instance over summer only. It can be unoccupied for an entire season or several months. Summer homes, cabins, chalets can be considered as seasonal properties. Secondary residences are typically used all year long and occupied at least twice a month over the year. Homes that are considered as secondary residences resemble principal dwellings, based on the value of the home and its regular occupancy.

The price of your cottage insurance premium is based on numerous factors related to your vacation property such as:

  • Location
  • Proximity of amenities such as fire station, fire hydrant
  • The amount required to cover your belongings (optional)
  • The amount required to cover your cottage’s building
  • Etc.

To get your cottage insurance premium, get a quote online or reach out to a representative 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 representative to see if your property is eligible for a cottage insurance coverage and to get the best protections for your needs. 

If you rent your property, you should let your insurance representative know. If you rent your chalet frequently and professionally, you will need specific coverage to protect your cottage. If you chose not to disclose this activity to your representative, 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. If you need to make changes to your coverage, don’t hesitate to call your representative at any time. 

You should always contact your insurer before beginning a remodeling or renovations. Your insurance policy should cover the risks during the renovations and consider the updated value of your cottage after the renovations, but to be certain, let your insurer know first as some renos might impact your eligibility to existing protections. If you added a new countertop, replaced the roof or remodeled the bathroom, the value at which your cottage is insured for should be increased to reflect the improvements. In case of damage, your coverage will protect these renovations.

Didn’t find what you were looking for?

Access your insurance anytime, anywhere

Your insurance when you need it the most.

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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34K Ratings

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11K Ratings

Talk to a representative

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 and agents are highly skilled in assessing your cottage insurance needs and offer the right coverage for your situation and budget. Chat with an insurance representative 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 an insurance representative 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.