Whether it's your summer vacation spot or year round escape, cottages need slightly different coverage to ensure peace of mind.
Cottages have unique risks.
Eligibility, limits and pricing can change depending on winter access, heat type and how often you're there.
Canoes, kayaks and small watercraft introduce liability and physical damage considerations. Powerboats and PWCs often need dedicated add-ons or stand-alone policies.
The cottage, attached decks/pergolas, plus detached sheds/boathouses.
Furniture, appliances, sporting gear, linens and kitchenware on-site. Higher-value items may need to be scheduled.
Protection if someone is injured on your property or if you accidentally cause damage to others. Liability follows you worldwide.
The cottage, attached decks/pergolas, plus detached sheds/boathouses.
Furniture, appliances, sporting gear, linens and kitchenware on-site. Higher-value items may need to be scheduled.
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?
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.
For damage from sewers/sumps/drains (normally excluded). Commonly excluded without this endorsement.
Surface water from heavy rain/snowmelt/overflowing lakes and rivers. Protection for surface water events.
Pays the extra cost to rebuild to current code after a loss. Helps with rebuild-to-code costs.
Repair/replacement of damaged underground lines you're responsible for (water, sewer, power). Coverage for underground lines.
For damage from sewers/sumps/drains (normally excluded). Commonly excluded without this endorsement.
Surface water from heavy rain/snowmelt/overflowing lakes and rivers. Protection for surface water events.
Pays the extra cost to rebuild to current code after a loss. Helps with rebuild-to-code costs.
Repair/replacement of damaged underground lines you're responsible for (water, sewer, power). Coverage for underground lines.
These are the rating and underwriting items that tend to matter most for cottages.
Yes, cottages typically require their own policy because they have different risks than your primary home - seasonal occupancy, distance from emergency services, different heating systems, and water exposure all factor into coverage and pricing.
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