Cottage Insurance in Ontario

Cottage Insurance in Ontario

Whether it's your summer vacation spot or year round escape, cottages need slightly different coverage to ensure peace of mind.

Cottages Are Different

Unoccupied periods and often farther away from emergency services

Unoccupied periods and often farther away from emergency services

Cottages have unique risks.

Seasonal vs Year Round

Seasonal vs Year Round

Eligibility, limits and pricing can change depending on winter access, heat type and how often you're there.

Water-adjacent toys

Water-adjacent toys

Canoes, kayaks and small watercraft introduce liability and physical damage considerations. Powerboats and PWCs often need dedicated add-ons or stand-alone policies.

What Cottage Insurance Covers

01
Buildings & Structures

Buildings & Structures

The cottage, attached decks/pergolas, plus detached sheds/boathouses.

02
Contents

Contents

Furniture, appliances, sporting gear, linens and kitchenware on-site. Higher-value items may need to be scheduled.

03
Liability

Liability

Protection if someone is injured on your property or if you accidentally cause damage to others. Liability follows you worldwide.

Want your cottage policy set up properly?

We'll match coverage to seasonal use, winter protocols, and water exposure.

Send the address and what you know about the property (year built, roof age, heat type, winter access, and any outbuildings/watercraft). If you're missing details, send what you have and we'll guide the rest.

Essential Added Coverages

01
Sewer Backup

Sewer Backup

For damage from sewers/sumps/drains (normally excluded). Commonly excluded without this endorsement.

02
Overland Water

Overland Water

Surface water from heavy rain/snowmelt/overflowing lakes and rivers. Protection for surface water events.

03
Bylaws Coverage

Bylaws Coverage

Pays the extra cost to rebuild to current code after a loss. Helps with rebuild-to-code costs.

04
Service Line

Service Line

Repair/replacement of damaged underground lines you're responsible for (water, sewer, power). Coverage for underground lines.

What Affects the Price

These are the rating and underwriting items that tend to matter most for cottages.

Location and protection

Location and protection

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Location and protection

Distance to fire services, water source, and local loss history.

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Occupancy and access

Occupancy and access

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Occupancy and access

Occupancy (seasonal vs year-round), winter access.

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Heat and monitoring

Heat and monitoring

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Heat and monitoring

Heat type (wood stove, baseboard, propane, heat pump), monitored thermostat/low-temp sensors.

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FAQ

Frequently Asked Questions

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