How Cottage Insurance Befits You

3 min read

Title: Understanding Cottage Insurance: Protecting Your Weekend Getaway


Many of us dream of owning a cottage or remote cabin in the peaceful surroundings of a lakeside or wooded area. Such a retreat offers a unique experience—a chance to escape our busy lives and find solace in nature. For Canadians, weekend getaways to cottages are a cherished tradition. However, before embarking on a trip to your cottage, it’s crucial to consider an important aspect: insurance coverage. Whether you seek respite from summer heat or desire cozy winter campfires, having the right insurance for your cottage is essential.

Determining Your Insurance Coverage:

The type of insurance coverage you require for your cottage depends on how you use the property and how frequently you visit. Cottages are typically seasonal properties, which means insurance coverage may be limited. However, cottage insurance can be customized to meet your specific needs. A Normal Perils Policy is commonly used to protect cottage properties against natural risks such as fire, explosion, and flood. In some cases, an All Risk Policy can provide comprehensive coverage for the entire building and its contents.

Tailoring Cottage Insurance:

Given that cottages often remain unoccupied for a significant part of the year, cottage insurance differs from standard home insurance. Therefore, it’s crucial to customize your cottage insurance to ensure adequate protection. Factors to consider include property usage, seasonal occupancy, and weather conditions.

Understanding Secondary Property Insurance and Seasonal Property Insurance:

When it comes to insuring your cottage or cabin, there are two primary categories: secondary property insurance and seasonal property insurance.

Secondary Property Insurance:
Similar to insuring your primary residence, secondary property insurance requires that the property is occupied by you or a family member. Renting out the property is not allowed, and you should spend approximately 2 to 8 weeks at the cottage. The insurance coverage should be at least 80% of the replacement cost, and the cottage must be insulated with year-round access.

Seasonal Property Insurance:
Seasonal property insurance covers properties that are occupied by you on a seasonal basis. These cottages may not be accessible year-round and may not be suitable for use in cold weather conditions. The replacement cost coverage is typically less than 80% of the property’s value.

Choosing the Right Insurance for Your Cottage:

Reputable insurance providers offer comprehensive coverage options for cottages. Secondary property insurance can be customized to provide All Risk coverage, protecting both the cottage and its contents against various losses, with some exceptions explicitly mentioned in the policy. Seasonal property insurance generally offers Named Perils Coverage, providing basic protection against common risks such as fire, explosion, and flood. However, it’s important to ensure that your desired coverage is clearly stated in your policy.

Can You Get Cottage Insurance from a Different Company than Your Primary Residence?

The ability to obtain cottage insurance from a different company than your primary residence insurer depends on individual insurance providers. Some companies may require you to have your secondary property insured with them and have your primary residence insured as well. However, other companies allow you to insure your cottage independently, regardless of your primary residence coverage. Consolidating multiple properties under a single insurance policy from one company can lead to cost savings.

Additional Considerations:

If your cottage is located beside a lake and you own one or more boats, all the boats can be insured under an All Risks Policy. To fully understand your coverage options and address any concerns about your cottage, it’s recommended to consult a licensed insurance advisor. They can provide detailed information, answer your questions, and guide you toward the most suitable insurance solution.


Securing the right insurance coverage for your cottage is vital to protect your investment and provide peace of mind. By understanding the different types of cottage insurance and tailoring your policy to your specific needs, you can ensure that

Securing the appropriate insurance coverage for your cottage is crucial to protect your investment and provide peace of mind. By understanding the different types of cottage insurance and customizing your policy based on usage and needs, you can ensure that your weekend getaway is adequately protected. Collaborating with a licensed insurance advisor will help you navigate

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