Road vs. boat access, island locations, distance to a responding fire hall, and hydrant availability are key. Island rebuilds and debris removal typically cost more due to transportation logistics.
From rustic three‑season cabins to fully winterized second homes-waterfront, island, or backcountry-coverage needs vary widely. Our cottage specialists match your situation with the right policy and price.
Cottages, camps, and cabins aren't one‑size‑fits‑all. Access, winterization, occupancy, heat source, and ownership (single owner, family, or corporation) all affect eligibility, coverage, and premium. We place cottages across Ontario and help you choose a policy that fits how-and how often-you use your place.
| Type | Typical use & setup | Coverage scope (typical) | Good fit for |
|---|---|---|---|
| Seasonal Cottage | 3‑season; minimal insulation; water often shut off | Named perils (e.g., fire, windstorm); options for burglary/vandalism where available | Rustic cabins used spring-fall |
| Four‑Season Cottage | Insulated & heated; usable in winter | Broader coverage than seasonal; more options for water/contents/liability | Updated cottages used year‑round |
| Secondary Home (Superior) | Fully renovated; higher values; frequent use | Comprehensive protections + optional extensions (higher limits, more add‑ons) | High‑value/luxury or frequent‑use retreats |
Road vs. boat access, island locations, distance to a responding fire hall, and hydrant availability are key. Island rebuilds and debris removal typically cost more due to transportation logistics.
Electric/gas/propane systems generally present lower risk. Oil heat requires extra underwriting (tank age/condition). Wood stoves must be WETT‑certified and properly maintained.
Shut‑offs, draining procedures, and proper antifreeze/glycol use help prevent freeze and burst losses. Some policies include conditions for winterization steps.
Modern panels and wiring are preferred. Older electrical systems may require inspection or upgrades for eligibility.
Newer roofs and good overall maintenance reduce loss frequency and severity.
How often the cottage is occupied matters. Many wordings require regular checks during extended unoccupied periods-keep a simple log.
Monitored alarms, freeze and water‑leak sensors, and exterior cameras can help mitigate loss and may be viewed favourably.
Shoreline/erosion, flood zones, tree exposure, and wildfire risk are considered when determining eligibility and pricing.
Boathouses, docks, bunkies, garages, and sheds may need to be scheduled or specifically listed; some have specific limits or exclusions.
Burglary and vandalism (unoccupied periods) and fire (especially where solid fuel is used). Water damage can occur if plumbing isn't winterized or monitored.
Yes, if the stove is WETT‑certified, correctly installed, and maintained.
Distance from fire services, limited access (boat/island), unoccupied periods, and rebuild logistics increase risk and cost.
Yes, but expect higher rebuild and debris‑removal costs from transportation logistics. We work with markets that handle island risks well.
Often under Other Structures, subject to appetite and wording. Boathouses with living space may need special attention; docks sometimes have specific limits/exclusions.
Many insurers prefer packaging home + cottage. We also place stand‑alone cottage policies.
Not all policies allow it. Unapproved renting can void coverage. Some insurers allow limited renting by endorsement or under specific wordings-tell us before you list.
Standard markets often limit acreage (e.g., >20 acres). Hobby‑farm wordings may be better for large parcels.
Policies usually include small boats with low limits. Larger engines/PWC or higher values should be scheduled-or placed on a separate marine policy for broader coverage.
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