Ontario Cottage Insurance.
Done Right.

Cottage insurance accounts for risks that standard home policies exclude or limit: seasonal vacancy, distance from fire services, wood-burning stoves, waterfront exposure, dock and boathouse structures, and short-term rental income. Luca specializes in these nuances so your cottage policy matches how you actually use the property.

Usually yes. Watercraft are often excluded from cottage policies above a small threshold. A dedicated watercraft policy covers hull damage, liability while on the water, and equipment. Luca can confirm what belongs on your cottage policy and what needs separate coverage.

Rental use is one of the most complex cottage insurance situations. Standard cottage policies often exclude or severely limit short-term rental activity. Eligibility depends on property type and rental frequency, so this is a conversation to have directly with Luca before you assume coverage.

Yes. Insurers rate cottage properties based in part on fire protection and response distance. Remote or volunteer-service areas can change pricing and underwriting conditions, which is why local context matters when comparing insurers.

Luca serves cottage and recreational property owners across Ontario, with deep familiarity in Muskoka, Kawartha Lakes, Georgian Bay, Parry Sound, Haliburton Highlands, Prince Edward County, Renfrew County, Hastings Highlands, Algoma District, Sudbury District, Simcoe County, and Peterborough County. Coverage is subject to policy terms and insurer availability.