Cottage Insurance

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Cottage Insurance Ontario

There are good insurance plans, and then there are exceptional insurance plans. We focus on recreational cottage insurance in Ontario and we ensure that we craft an exceptional policy that is optimized to meet your needs. 

How do you use your cottage?

Seasonal Cottage Insurance

Seasonal cottage insurance is perfect for those that only use their cottage for three seasons (spring, summer, and fall).

Secondary Cottage Insurance

Do you use your cottage as a second property throughout the year? Secondary cottage insurance in Ontario is designed for those that use their cottage all four seasons (spring, summer, fall, and winter).

Rental Cottage Insurance

Do you rent your cottage occasionally throughout the year? Specialized coverage is designed for those that rent their cottage for a period of up to 6 months (180 days a year).

Builders Cottage Insurance

Are you building a new cottage on your property in Ontario? Buildings Cottage Insurance is designed as a temporary measure to protect your new cottage as it is being built.

What impacts your cottage insurance in Ontario?

There are many factors that impact your cottage insurance in Ontario. Insuring a seasonal property is generally more expensive than a home. Some of the factors that increasing the premiums include:

  • Proximity to fire services: Cottages are spread out, meaning fire halls are quite spread out as well. The further from a fire hall, the higher the risk. 
  • Heating methods: If you have oil heating, all things being equal, your premiums will be higher. 
  • Building materials: Log homes are expensive to repair and can lead to higher premiums.

No matter your requirements, we have you protected.

We provide you with comprehensive cottage insurance in Ontario that guarantees the replacement cost of your property and belongings in the event of a loss.

Insure your cottage in Ontario with us and you will have complete piece of mind! Contact us today for a quote. 

Get a quote now