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When you’re at the cottage you want to make memories — not worry about risk! Protect your getaway and long-term investment. Seasonal home or cottage coverage is designed to protect properties that are not occupied year-round — like vacation homes, summer cottages, or cabins. These properties face unique risks due to their part-time use, remote locations, and limited supervision.

What's Covered

Standard cottage and seasonal property insurance provides coverage for:

Protects the physical structure of your cottage or seasonal home. It guards against risks like fire, wind, vandalism, and some types of water damage. Because the property may be unoccupied for long periods, there may be limited coverage for certain events, such as theft or frozen pipes.

Your coverage extends to other buildings on your property that are not physically attached to the main cottage. This commonly includes sheds, boathouses, detached garages, or other outbuildings. These structures are protected against the same covered events as the main dwelling.

Covers your personal belongings stored at the cottage or seasonal property. This can include furniture, appliances, tools, recreational equipment, and other items you keep there. These policies may have lower limits for personal property compared to a primary residence policy, reflecting the typical contents of a seasonal home.

Financial protection in situations where you are found legally responsible for accidental bodily injury to another person or damage to their property. For example, if a visitor is injured at your cottage, or if you accidentally cause damage to a neighbour’s property, this coverage can help with medical expenses, legal fees, repair costs, and potential settlement awards.

Optional Coverage

Standard insurance policies cover the most common risks. Optional insurance endorsements can enhance your coverage, depending on your specific needs.

Earthquake endorsement

Most standard cottage insurance policies exclude damage caused by earthquakes. Earthquake endorsement provides crucial coverage for your home's structure, your outbuildings (like your detached garage or garden shed), and your personal belongings in the event of an earthquake, protecting you from potentially catastrophic losses.

Sewer back-up endorsement

Protects your cottage and its contents from damage caused by sudden and accidental water from a sewer, drain, sump pump, or septic system. Given that cottages often have unique plumbing or septic setups, this can be a crucial protection against significant water damage.

Overland water endorsement

This endorsement provides coverage for damage resulting from water entering your property from outside sources, such as excessive rain, overflowing rivers, spring run-off, or melting snow. Many cottages are located near bodies of water or in areas prone to heavy snowmelt, so this is valuable protection against flood-related losses not covered by standard seasonal policies.

Green endorsement

Covers repairs up to $10,000 using environmentally friendly products of your choice after an insured loss.

Bylaw coverage

Covers additional demo, construction, or repair costs necessary to comply with current bylaw standards after your home has been damaged in an insured event.

Economical offers a range of policy options for your unique needs and budget.
Talk to a broker about your options.