Muskoka Cottage Insurance

Cottage insurance in Muskoka

Muskoka is about a two-hour drive north of Toronto, and for many it is known as prime “cottage country”. Extending to Georgian Bay to the west, all the way to Algonquin Park to the east, and the northern tip of Lake Couchiching to the south, Muskoka is home to approximately 1,600 lakes.  Many of these lakes contain beautiful lakefront cottages with stunning views. You can see why they call it cottage country! 

muskoka cottage insurance

Save on cottage insurance in Muskoka!

If you own a cottage in Muskoka, insufficient insurance coverage can make the difference between an amazing summer full of fun activities, to one of worry.

There are many elements in cottage country that can cause risk or issues. Adequate coverage will ensure that you have piece of mind. 

If your cottage is used all seasons, these can be insured like a second home. If your cottage is used for 3-seasons, it can be insured as a seasonal property. 

Do you rent your cottage on AirBnb or to other guests for several weeks throughout the year? These are all questions your insurance broker will ask you so that your property is adequately protected. 

What else do I need to know about cottage insurance in Muskoka?

There are a few nuances to cottage insurance. 

Most cottages are spread out in rural areas and are further from fire halls. The increased response time means that in many cases, a cottage fire may result in a total loss. This increased risk can lead to increased premiums. 

Most cottages are also seldomly used. Without guests or people present, the risks of a break-in is higher. Break-ins can happen from people, or even a wandering bear looking for a peanut butter sandwich! 

Depending on your sewer system, additional optional coverage can be added to protect your cottage from sudden damage caused by a sewage leakage. 

Our brokers will ask you questions to learn more about your property and advise you on the optimal coverage.

Optimal coverage at competitive rates

Let one of our brokers advise you and provide you with tailor-made policy for your cottage in Muskoka. We are both insurance and cottage experts and nothing makes us happier than seeing you enjoy your cottage with complete piece of mind! 

Get a quote now